Buy-and-sell planning
Help surviving owners fund the purchase of a deceased or disabled owner’s interest under an appropriate agreement.
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Business financial planning · South Africa
Protect the business you worked hard to build.
I help business owners in Cape Town and across South Africa plan for the financial impact of losing an owner, key employee or essential source of income.
Business assurance
Plan for continuity.
A structured review connects ownership, people, debt and your personal estate plan.
Key person protection
Consider the financial impact of losing a person whose skills, relationships or leadership drive the business.
Contingent liability
Plan around business debt or personal surety that could create pressure for the company, owners or their estates.
Owner alignment
Connect business structures and benefits with each owner’s personal risk, retirement and estate planning.
Preparation makes the first discussion useful. Have your shareholder structure, loan agreements, key financial figures and any existing assurance arrangements available where possible.
Common questions
Business planning, plainly explained
Does a key person have to own shares?
Not necessarily. A key person may be an owner or an employee whose loss could create a measurable financial impact for the business.
Why consider personal surety?
Because a personally guaranteed business obligation can affect an owner’s estate and family if the obligation is called.
Is business assurance separate from personal planning?
They are closely connected. Ownership, income and liabilities in the business can materially affect an owner’s personal financial plan.
Start a conversation
Start with a business risk conversation.
Connect with me to arrange an introductory review of the people, obligations and ownership behind your business.