Business Owners As a business owner the clock never stops. Whether you are getting started, reaching for “the next level”, ready to transition to the next generation or positioning to sell there are many factors at play. Without a well thought out road map opportunities may be missed and potential may never be fully realized. As a small business owner myself I am very familiar with the challenges and can assist you with positioning your business and personal assets so that you can achieve your goals of financial independence.Challenges and factors include:Cash flow managementEmployee benefitsBusiness Agreements (Buy-sell)Succession PlanRetirement PlansKey employee attraction and retentionProtection against the death or disability of key owners/employees Protect Your Business As a business owner, you know being prepared for anything is part of who you are. If one thing is certain today, it’s that you can’t be certain about what will happen tomorrow. You can, however, be certain that you’ve acted to help protect yourself and your business from the unexpected.Think about what would happen to your business if you, your business partner, or a key employee were to unexpectedly die or become too sick or injured to work. There’s no doubt that this would have a tremendous impact on your business and its continued success. But there’s good news: this is something you can plan for.Having the foresight to protect your business against the loss of an owner or an essential employee—perhaps the company's most valuable asset—can mean the difference between business as usual or closing up shop. Just as you would insure your business property, you should also consider insuring the people who have the biggest impact on your company’s success. We can help with business planning strategies that are designed to protect your business from the unexpected and help ensure the business you’ve worked so hard to build withstands the test of time.Consider a few of the following options to help protect your business:Disability Income Insurance. Most likely, your company has already taken the appropriate steps to protect the business in the event of the death of an owner or partner. But have you protected the business in the event of a more common scenario - an owner’s or partner’s long-term disability?Life Insurance. Learn how life insurance can help you protect your business from the unexpected death of a key employee.Long Term Care Insurance. Having long term care insurance is part of smart business planning and can help protect your business and family if a long term care need should arise.