{"id":2291,"date":"2026-09-18T22:32:10","date_gmt":"2026-09-18T22:32:10","guid":{"rendered":"https:\/\/yourwealthadvisor.ca\/?page_id=2291"},"modified":"2026-09-18T22:32:10","modified_gmt":"2026-09-18T22:32:10","slug":"key-person-risk","status":"publish","type":"page","link":"https:\/\/yourwealthadvisor.ca\/en\/key-person-risk\/","title":{"rendered":"Key Person Risk"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"2291\" class=\"elementor elementor-2291\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-kp010001 e-flex e-con-boxed e-con e-parent\" data-id=\"kp010001\" 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-kp010002 elementor-widget elementor-widget-heading\" data-id=\"kp010002\" 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\">KEY PERSON RISK<\/span>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-kp010003 elementor-widget elementor-widget-heading\" data-id=\"kp010003\" 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\">Which person would be hardest for the business to replace?<\/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-kp010010 e-flex e-con-boxed e-con e-parent\" data-id=\"kp010010\" 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-kp010011 elementor-widget elementor-widget-heading\" data-id=\"kp010011\" 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\">Key-person exposure is often operational before it is financial.<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-kp010012 elementor-widget elementor-widget-text-editor\" data-id=\"kp010012\" 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>A key person may hold client relationships, technical knowledge, revenue responsibility, supplier access or decision authority that is difficult to replace quickly.<\/p><p>The planning question is not only what that person is paid. It is what their absence could cost in lost revenue, replacement time, financing pressure and continuity risk.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-kp010013 elementor-widget elementor-widget-heading\" data-id=\"kp010013\" 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-kp010014 elementor-widget elementor-widget-text-editor\" data-id=\"kp010014\" 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>Replacement cost, revenue concentration, debt covenants, recruiting time, insurance funding and continuity planning may all matter. The right solution depends on the actual dependency, not the employee\u2019s title alone.<\/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-kp010020 e-flex e-con-boxed e-con e-parent\" data-id=\"kp010020\" 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-kp010020a elementor-widget elementor-widget-text-editor\" data-id=\"kp010020a\" 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-kp010021 elementor-widget elementor-widget-heading\" data-id=\"kp010021\" 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-kp010022 elementor-widget elementor-widget-heading\" data-id=\"kp010022\" 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 one person vanished from the business tomorrow, where would the first measurable loss appear?<\/h2>\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>Key person risk planning for business owners: identify the people whose absence could materially disrupt revenue, operations or continuity.<\/p>\n","protected":false},"author":2,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"elementor_canvas","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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