About this product

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You are the owner, the operator, the signer, the password, and the plan — all at once. It works, until the day it doesn't. When a small business owner dies or becomes incapacitated with no continuity plan, the pattern is brutally consistent: silence, then an access crisis, then a money freeze, then the unraveling — of the business, and often of the family. The business doesn't die because the owner died. It dies because nobody else can do what the owner did: authorize, access, decide, and reassure.

This 137-page guide (36,037 words) is the complete continuity plan for small business owners — sole proprietors, LLC owners, and small S-corps: the map of what breaks, and the step-by-step system to fix it before it matters. Read it in 90 days, one Continuity Move at a time, and finish with a business that can survive you.

10 CHAPTERS:

• TWO HATS, ONE PERSON — the owner vs. the business; why your will can't run the company; mapping every place the two blur.
• THE WEEK AFTER — the no-plan timeline: silence, access crisis, money freeze, unraveling; the same week WITH a plan.
• THE FOUNDATION: ENTITIES & FORMATION DOCUMENTS — what your entity does for continuity; the five questions your documents must answer; staying in good standing.
• THE KEY-PERSON MAP — knowledge, relationships, authority, judgment: finding every single point of failure (starting with you) and fixing them in order.
• THE EMERGENCY CONTINUITY BINDER — the 30-day survival kit: first page, people, money, open jobs, access map, legal copies; giving the operator real authority.
• BUY-SELL AGREEMENTS & VALUATION CONCEPTS — who gets the interest, by what method, on what terms; the annual fifteen minutes; funding the promise.
• DEBTS, GUARANTEES & THE BOUNDARY — the full debt inventory; personal guarantees that follow you home; separating the money daily.
• THE DIGITAL BUSINESS — every login the business lives behind; the password manager with tested emergency access; the two-factor backup path; the domain that must not vanish.
• THE FAMILY DIMENSION — fairness vs. equality; heirs inside vs. outside the business; the scheduled conversation; the letter in your voice.
• YOUR PROFESSIONAL TEAM — attorney, CPA, insurance: choosing them, briefing them with the package this book builds, the questions to ask, the annual review.

ALSO INSIDE:

• Appendix A: Continuity Binder Master Checklists — build and audit the binder section by section, plus a glossary of key terms.
• Appendix B: 12 Conversation Scripts — word-for-word starting points for family talks, client introductions, partner conversations, and the attorney briefing.
• Appendix C: Professional-Team Meeting Prep Worksheets — business snapshot, document inventory, the five continuity questions, key-person summary, debt summary, family decisions, and a 90-day action plan.
• FILLABLE WORKBOOK (7 pages, 264 fields) — entity & document locator, key-person & authority map, 30-day emergency operations checklist, debt & guarantee summary, digital access map, professional team sheet, 90-day action tracker. Type directly into the PDF.

Every chapter ends with a CONTINUITY MOVE — one concrete action. Plus field notes from real-world patterns, the three mistakes owners make per chapter, and decision filters you can use today.

PLEASE READ: This is educational information only — NOT legal advice, NOT tax advice, NOT financial advice, NOT insurance advice. Business, estate, tax, and insurance laws vary by state and country. This book contains no legal forms, no clause language, and no do-it-yourself documents; it prepares you to work with a licensed attorney and CPA. Vault discipline throughout: the workbook records credential LOCATIONS and procedures only — never passwords or full account numbers. It is distinct from our Probate-Proof Playbook (P82, the family's estate documents), the "When I'm Gone" Binder (P85, the grantor's fill-in organizer), the Successor Trustee's Checklist (P91, the trustee's after-plan), and ExecutorKit (P75, settling a personal estate): this is the business itself — the continuity plan that keeps the thing you built alive when you cannot be there.

FORMAT: PDF eBook (137 pages) + fillable PDF workbook (7 pages) + README-license.txt. Instant download.

What's included

• The Small Business Owner's Continuity & Estate Plan eBook (PDF) — 137 pages, 36,037 words, 10 chapters:
• Two hats, one person — the owner vs. the business; why your will can't run the company; mapping every place the two blur
• The week after — the no-plan timeline: silence, access crisis, money freeze, unraveling; the same week with a plan
• The foundation: entities & formation documents — what your entity does for continuity; the five questions your documents must answer; staying in good standing
• The key-person map — knowledge, relationships, authority, judgment: finding every single point of failure (starting with you) and fixing them in order
• The emergency continuity binder — the 30-day survival kit: first page, people, money, open jobs, access map, legal copies; giving the operator real authority
• Buy-sell agreements & valuation concepts — who gets the interest, by what method, on what terms; the annual fifteen minutes; funding the promise
• Debts, guarantees & the boundary — the full debt inventory; personal guarantees that follow you home; separating the money daily
• The digital business — every login the business lives behind; the password manager with tested emergency access; the two-factor backup path; the domain that must not vanish
• The family dimension — fairness vs. equality; heirs inside vs. outside the business; the scheduled conversation; the letter in your voice
• Your professional team — attorney, CPA, insurance: choosing them, briefing them with the package this book builds, the questions to ask, the annual review
• Appendix A: Continuity Binder Master Checklists — build and audit the binder section by section, plus a glossary of key terms
• Appendix B: 12 Conversation Scripts — word-for-word starting points for family talks, client introductions, partner conversations, and the attorney briefing
• Appendix C: Professional-Team Meeting Prep Worksheets — business snapshot, document inventory, the five continuity questions, key-person summary, debt summary, family decisions, and a 90-day action plan
• Plus field notes from real-world patterns, the three mistakes owners make per chapter, and decision filters you can use today
• Fillable workbook (PDF) — 7 pages, 264 fields: entity & document locator, key-person & authority map, 30-day emergency operations checklist, debt & guarantee summary, digital access map, professional team sheet, 90-day action tracker. Type directly into the PDF.
• README-license.txt

Key features

• The no-plan timeline, named → silence, access crisis, money freeze, unraveling — and the same week with a plan
• Key-person map → find every single point of failure (starting with you) across knowledge, relationships, authority, and judgment, and fix them in order
• Emergency continuity binder → the 30-day survival kit: first page, people, money, open jobs, access map, legal copies
• Digital access discipline → the workbook records credential locations and procedures only — never passwords or full account numbers
• Buy-sell & valuation concepts → who gets the interest, by what method, on what terms — explained before you sit down with an attorney
• 12 conversation scripts → family talks, client introductions, partner conversations, and the attorney briefing
• Fillable workbook → 7 pages, 264 fields, including the 90-day action tracker
• One action per chapter → every chapter ends with a Continuity Move