This session is designed to answer the question “If something happens to you, what happens to my account?”  The benefits plans advisors put together are nuanced. Without clear plan that includes authority, cash flow, and intent, they can unravel fast. This panel will share the "owner-down" playbook with attendees, translate strategy into a portable design, and discuss non-negotiables, so whomever takes over can honor the philosophy, not just the files. It will cover the first 72 hours of an incapacity event, and the things to think about including who can legally sign, move money, run payroll, access CRM/email, and keep carrier/GA appointments and commissions flowing.

It will also explore the connection to exit planning, as the first moves in an emergency mirror the smartest moves in M&A, and compare different exit paths (private equity, roll-ups, internal successors, seller-financed buyers) while considering what matters the most: retention, valuation drivers, deal structure, and life goals.