BUSINESS CONTINUITY
& RISK
Ensuring the machine keeps running, no matter what happens to the operator.
You Have a Plan for Growth.
Do You Have a Plan for Chaos?
Every business has a "Single Point of Failure."
If that person disappeared tomorrow, what happens to the revenue by Friday?
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Does the bank call the loans?
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Do the clients leave?
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Does the spouse want to "help" run the company?
We design Continuity Protocols that act as a "roll cage" for your company. If the unexpected happens, the business doesn't just survive; it stabilizes.
We don't recommend off-the-shelf products or have a playbook ready on a shelf somewhere, just waiting to paste your name in...
We design Continuity Architectures that solve specific business problems.
There's A Chaos-Free Option
Here are the core strategies I love to implement for business owners.
PROTOCOL 1: The "Partnership Survival" Blueprint
Solving the "Unwanted Partner" Problem.
The Threat
You and your partner run the business perfectly. But if your partner passes away, their equity (and their voting power) passes to their estate.
Suddenly, you aren't running the business alone. You are in business with their spouse or their children.
They don't know the industry.
They want immediate cash distributions.
You cannot fire them.
The Solution
You and your partner run the business perfectly. But if your partner passes away, their equity (and their voting power) passes to their estate.
Suddenly, you aren't running the business alone. You are in business with their spouse or their children.
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They don't know the industry.
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They want immediate cash distributions.
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You cannot fire them.
STRATEGY
1
PROTOCOL 2: The "Revenue Defense" Shield
Replacing the Irreplaceable.
The Threat
You have a "Rainmaker", a top salesperson, a lead engineer, or an operations director, who holds the relationships or the intellectual property.
If they suffer a critical illness or pass away, your revenue could drop 30-50% overnight. Hiring a replacement takes months and costs a fortune in headhunter fees.
The Solution
We install a Liquidity Bridge.
This provides an immediate injection of tax-free capital to the corporation if a key player goes down.
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The Usage: You use this cash to pay recruiters, cover lost revenue, or reassure creditors that the business is stable.
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The Benefit: It buys you the one thing you can't manufacture: Time.
STRATEGY
2
PROTOCOL 3: The "Credit Capacity" Hack
Unlocking Bank Capital.
The Opportunity
Most business owners view insurance as a "sunk cost", money that leaves the business and sits idle until someone dies.
Smart founders view it as Tier 1 Capital.
The Strategy
When you apply for a major SBA loan, equipment financing, or a commercial line of credit to scale operations, the bank will demand security.
They often ask for a "Personal Guarantee" backed by your home or your liquid savings. There's a way to make it easy.
We structure your Continuity Plans so they can be "Collaterally Assigned" to the bank.
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The Mechanic: We pledge the cash value (or death benefit) of the policy to the lender as security for the loan.
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The "Flex": The bank loves it because the cash value is guaranteed and liquid. You love it because your personal real estate stays off the hook.
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The Result: You aren't just buying protection; you are buying Borrowing Power. You get approved faster, often for higher limits, because your balance sheet looks stronger to the underwriters.
STRATEGY
3
STRATEGY 4: The
"Zero-Loss"
Floor
Protecting gains from market crashes.
The Threat
f you get in a car accident or suffer a major health event on Tuesday, does payroll still go out on Friday?
For most small to mid-sized firms, the owner is the revenue engine. If you stop, the income stops. But the burn rate (Rent, Salaries, SaaS subscriptions, Lease payments) never stops.
A healthy business can bleed out and die in 90 days if the founder is incapacitated.
The Solution
We install an Overhead Expense Shield.
This is a specific reimbursement protocol designed to cover your fixed costs while you recover.
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The Function: It pays the rent, the utilities, and—most importantly—your employees' salaries if you are unable to work due to injury or sickness.
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The Tax Benefit: unlike most personal strategies, the funding for this specific protocol is typically 100% tax-deductible to the business as a standard operating expense.
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The Outcome: You focus on getting better, not on whether your team is looking for new jobs because the checks stopped clearing. The business waits for you.
STRATEGY
4
Your Next Move: The Whiteboard Session.
You can't buy these strategies on a website.
They must be engineered to fit your specific entity structure, cash flow, and exit timeline.
I don't offer "quotes." I offer a Strategy Session.
We will look at your current numbers, identify where you are over-exposed to taxes or risk, and sketch out a plan to fix it.
If the math makes sense, we build it. If it doesn't, we don't.
Ready to see what your architecture looks like?