Your business is probably your most valuable asset. But is it protected? Do you have a succession plan? Can you exit when you want to? Let's build a plan that covers every angle.
Most financial advisers treat business owners like employees with a company car. Marcel looks at the whole picture: the business, the partners, the personal estate, and the exit.
Who in your business is irreplaceable? If they couldn't work tomorrow, what would it cost you? Key person cover protects the business's revenue while you find your feet.
Enquire →If a business partner dies or becomes disabled, a funded buy-and-sell agreement means the surviving partners can buy out the affected partner — without liquidating the business.
Enquire →Did you sign personal suretyship for your business bond or loan? Contingent liability cover settles that debt if something happens to you — protecting your estate and family.
Enquire →Attract and retain top talent with structured benefit schemes. Pension and provident fund structures, group life cover, and income protection for your key employees.
Enquire →What does your exit look like — retirement, sale, or passing on to children? Your retirement plan needs to account for the value tied up in your business.
Enquire →Business owners have complex estates. We ensure your will, trust structures, and beneficiary nominations are aligned with your business succession plan.
Enquire →If something happened to me today, would my business partners be forced to deal with my family as new co-owners?
My entire retirement plan is basically the sale of my business. Is that actually a good plan?
I signed surety on a R4 million bond. If I die, does my wife inherit that debt?
My key salesperson drives 60% of our revenue. What happens to the business if they can't work?
I've been putting money back into the business for 20 years. Have I actually been building retirement savings?
My business partner and I have no formal agreement about what happens if one of us wants to exit. Is that a problem?
A 30-minute conversation costs nothing. Leaving these questions unanswered could cost everything.