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A family is much more than simply a group of people we are closely related to or connected with. It is also an economic unit, typically with different contributions from different members of the family.
At Logan Smythe, we encourage families to think about the roles individuals play to make the family unit work and the dependencies that exist. We will help you think about how your family would cope – in practical terms and financially – if the unexpected occurred and there was a sudden loss of family income.
There are four key risks to consider:
Premature DeathPermanent DisablementTemporary DisablementThe Requirement for Medical Treatment
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Own Your Business
Small businesses have a very strong dependence on the business owner for the business’s success and survival. If something happens to the business owner and they can’t work for a period of time, things start going backwards quite quickly.
If it’s really serious the business may have to shut down or be sold. This means the business owner loses a key source of their personal income, and if they have borrowed money for the business (or personally) then their assets might also be at risk.
Own Your Business With Others
As a business owner, it is likely that you and other key people are important to the ongoing success of your business. If any one of you was affected by serious illness, disability or premature death, it could have serious financial consequences on your business. And if your business is the cornerstone of your personal income and wealth the domino effect could be disastrous on you personally.
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Farms are often critically dependent on a few key people for its success. And yet farmers, otherwise so focused on anticipating and managing risk, admit that they tend to downplay the possibility and potential impact of being badly injured or falling seriously ill.
Understanding that unexpectedly losing a key person could have far-reaching implications, farm owners can make plans to limit the impact of such events.
Your Logan Smythe adviser will help you to consider:
Your Operation Plan
Your Shareholder PlanYour Succession PlanYour Estate PlanYour Risk Plan
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