Business Owner Risk Scorecard
Answer each question honestly. At the end, your score reveals how exposed you may be, and what to address first. This is designed to take under 3 minutes.
1. Concentration risk
Is more than 70% of your total personal wealth tied up in your business?
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Please Select
Yes
No
Unsure
Do you have a structured investment portfolio that exists independently of your business?
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Please Select
Yes
No
Unsure
If your business lost 50% of its value next year, would your personal lifestyle be seriously affected?
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Please Select
Yes
No
Unsure
2. Tax structure & succession
Is your business structured in a way that minimizes personal tax liability in the event of death or sale?
*
Please Select
Yes
No
Unsure
Do you have a documented succession plan that covers what happens to your shares if you die or become incapacitated?
*
Please Select
Yes
No
Unsure
Have you reviewed your business structure with a financial advisor in the last 2 years?
*
Please Select
Yes
No
Unsure
3. Liquidity
Do you have at least 6 months of personal living expenses available in liquid assets (outside the business)?
*
Please Select
Yes
No
Unsure
If a business partner wanted to exit the business today, do you have the liquidity to handle it without a personal financial crisis?
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Please Select
Yes
No
Unsure
4. Keyman & life cover
Does the business have keyman insurance in place for you and any other key individuals whose loss would threaten the business?
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Please Select
Yes
No
Unsure
Is your personal life and disability cover sufficient to sustain your family independently of the business?
*
Please Select
Yes
No
Unsure
5. Diversification & personal portfolio
Do you have investments spread across multiple asset classes (equities, property, cash, offshore assets)?
*
Please Select
Yes
No
Unsure
Does your personal investment plan account for your investment horizon and specific retirement goals, not just return targets?
*
Please Select
Yes
No
Unsure
Name
*
First Name
Last Name
Email
*
example@example.com
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