Most shareholder agreements have a buy-sell provision, and most owners assume that means they’re covered. Far fewer have one that actually triggers cleanly on death, disability, or divorce, as opposed to a straightforward voluntary exit, which is the scenario most templates are built around. That gap sits quietly in the background for years and doesn’t…
Most inheritance planning starts and ends with the will: who gets what. Far fewer conversations get to the second question, which is how much of it actually arrives intact after tax. By the time an estate is being settled, most of the tools that reduce that tax bill are no longer available to use, because…
A note from HGA CPA If you’ve ever had a “we should talk about a family trust” moment with your accountant and quietly filed it under someday, you’re not alone. Trusts have a reputation problem. They sound like something for people with a lot more money and a lot more lawyers than the average business…
