Summary: While there are many risks to starting a business, one of the greatest is the potential for a low-probability but high-impact “business disruption”, from the unexpected death of a key employee, to a cyber-attack or a natural disaster like a hurricane.
 Ultimately, the goal is simply to recognize that if the advisory firm will not continue and needs to be transitioned, it should be done in a manner that minimizes any disruption to the actual advisory services that the client is receiving."Michael Kitces, Nerd's Eye View
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