If you can’t come back Monday, the business keeps running.
Money, time and clear ownership answers, in place before anyone needs them.
The Problem
An agreement says what should happen. It doesn’t create the cash.
Many owners signed a partnership or shareholder agreement years ago. It says the remaining owners will buy out an owner who dies, becomes disabled or leaves. What it rarely says is where that money comes from.
When the moment comes, the business is trying to keep customers, make payroll and replace the person who made the decisions, all while a family is waiting to be paid for a share they can’t sell to anyone else. That’s how good companies end up borrowing at the worst time, selling at a discount, or in business with a partner’s heirs.
What a Continuity Plan Creates
Three things a business needs most when an owner is gone.
Money
Cash to pay an owner’s family for their share, and to cover payroll, debt and overhead while the business adjusts.
Time
Room to move responsibilities, recruit or promote the right person, and make ownership decisions without a fire sale.
Clarity
Agreed answers on who owns what, how the value is set, and how and when each family is paid.
Continuity Funding Calculator
See your funding gap.
Enter today’s value, not the number in an agreement you signed years ago. The difference is often the whole problem.
A fair-market estimate. Your CPA or a valuation firm can firm this up.
Coverage or reserves earmarked to carry out the agreement. Enter 0 if none.
Your Results
Hypothetical and for education only. Results depend on your agreement, valuation method and tax situation; they are not a recommendation or product illustration.
How We Solve It
A funded plan, not just a signed one.
- Ownership transition funding. Insurance-funded strategies that put cash in the right hands if an owner dies or becomes disabled, structured with your attorney to match your agreement.
- Key-person protection. Cash to the business if the person who holds the relationships, the license or the know-how is suddenly gone.
- Disability buyout planning. A long disability is one of the most common ways an owner leaves the business early, and a disabled partner still owns their share.
- Executive retention strategies. Benefits that keep your future leaders committed to the business, on your terms.
- Valuation check-ins. We revisit the funding whenever the business value or ownership changes, so the plan grows with the company.
- Structure review with your advisors. Following the 2024 Supreme Court decision in Connelly v. United States, how a plan is structured matters more than ever. Read more
What You Receive
Your Continuity Report
A written report showing what happens to the business, your partners and each family under four scenarios: death, disability, critical illness and retirement. Each one shows the funding needed, what’s in place, and the options to close the gap.
For Your CPA & Attorney
We fund the plan your attorney drafts and your CPA values; we don’t write agreements or give tax advice. With your permission, we share our report with them before you make any decision, and we coordinate ownership and beneficiary designations so they match the documents.
Questions Owners Ask
Frequently asked
We already have an agreement. Why review it?
Because the company has probably changed since you signed it. Revenue, value, ownership and personal circumstances shift. The question isn’t whether you have an agreement; it’s whether it still fits and whether the money is there to carry it out.
I’m the only owner. Does this apply to me?
Yes. Without a partner, the question becomes what your family receives and how the business keeps meeting its obligations while it’s sold, wound down or handed to a successor.
Who pays for the coverage, the business or the owners?
It depends on how your agreement is structured, and that choice has tax and estate consequences. We lay out the options side by side and review them with your CPA and attorney.
Find out where your business stands.
A private, 20-minute conversation.