For Business Owners
Key-person coverage, buy-sell, and succession
The protection and continuity tools every founder, partner, and family-business owner should understand before the next crisis tests them.
4 lessons · ~42 min
- 01
Why business owners need key-person coverage
If a single person leaving — through death, disability, or departure — would meaningfully damage the business's value, that person is a key person. Coverage exists to give the company a runway to survive the gap.
article9 min - 02
Buy-sell agreements 101
Without a funded buy-sell agreement, a partner's death can hand part of your business to their spouse, their estate, or a court. A well-structured agreement turns the chaos into a transaction.
article11 min - 03
Succession: the five-year runway
The owners who realize the highest value from their business almost always start the succession conversation at least five years before they intend to leave. The ones who wait until they want out usually leave money on the table.
article12 min - 04
Protecting the owner's family
For most business owners, the company is the largest line on the family balance sheet. A solid plan protects the family's claim on that value whether the owner is alive, disabled, retired, or gone.
article10 min
Protection 101
The fundamentals of life and living-benefit coverage — what each policy is built to do, how to size it, and how to avoid paying for things you don't need.
4 lessons · ~29 min
Begin track →Protection
Life, disability, and final-expense coverage that protects your family's income, dignity, and time.
2 lessons · ~11 min
Begin track →Retirement Roadmap
A practical path from your first 401(k) match to choosing when to claim Social Security — written for households, not hedge funds.
4 lessons · ~38 min
Begin track →Building Your Legacy
The paperwork that decides who gets what, when, and how — without a courtroom doing the deciding for you.
4 lessons · ~34 min
Begin track →