{"id":2289,"date":"2026-09-18T22:32:10","date_gmt":"2026-09-18T22:32:10","guid":{"rendered":"https:\/\/yourwealthadvisor.ca\/?page_id=2289"},"modified":"2026-09-18T22:32:10","modified_gmt":"2026-09-18T22:32:10","slug":"owner-dependency","status":"publish","type":"page","link":"https:\/\/yourwealthadvisor.ca\/en\/owner-dependency\/","title":{"rendered":"Owner Dependency"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"2289\" class=\"elementor elementor-2289\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-od010001 e-flex e-con-boxed e-con e-parent\" data-id=\"od010001\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-od010002 elementor-widget elementor-widget-heading\" data-id=\"od010002\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<span class=\"elementor-heading-title elementor-size-default\">OWNER DEPENDENCY<\/span>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-od010003 elementor-widget elementor-widget-heading\" data-id=\"od010003\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">What happens if the business cannot rely on you tomorrow?<\/h1>\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-od010010 e-flex e-con-boxed e-con e-parent\" data-id=\"od010010\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-od010011 elementor-widget elementor-widget-heading\" data-id=\"od010011\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">The dependency is usually larger than the job description.<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-od010012 elementor-widget elementor-widget-text-editor\" data-id=\"od010012\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>For many owner-managed businesses, the owner is simultaneously a producer, decision-maker, relationship holder, guarantor and source of family income. An interruption can therefore create consequences in several places at once.<\/p><p>Questions worth examining include how long the business could operate without your active involvement, which obligations continue, what replaces your income, and what liquidity would be available to the business and your family.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-od010013 elementor-widget elementor-widget-heading\" data-id=\"od010013\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Planning considerations<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-od010014 elementor-widget elementor-widget-text-editor\" data-id=\"od010014\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Income replacement, disability risk, critical illness, life insurance, emergency liquidity, business overhead and succession considerations may all be relevant depending on the facts. The appropriate structure depends on your business and should be coordinated with other professional advice where needed.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-od010020 e-flex e-con-boxed e-con e-parent\" data-id=\"od010020\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-od010020a elementor-widget elementor-widget-text-editor\" data-id=\"od010020a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><strong>RELATED BRIEFING<\/strong><br><a href=\"\/en\/when-the-business-depends-on-you\/\">When the Business Depends on You \u2192<\/a><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-od010021 elementor-widget elementor-widget-heading\" data-id=\"od010021\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<span class=\"elementor-heading-title elementor-size-default\">STRATEGIST\u2019S QUESTION<\/span>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-od010022 elementor-widget elementor-widget-heading\" data-id=\"od010022\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">If you were unavailable for six months, which financial obligation would become a problem first?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-od010023 elementor-widget elementor-widget-button\" data-id=\"od010023\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"\/en\/book\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Start a Private Conversation \u2192<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Owner dependency planning for business owners: what happens to income, operations and financial security if the business cannot rely on you?<\/p>\n","protected":false},"author":2,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"elementor_header_footer","meta":{"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center 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