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What happens to your business if your partner dies, divorces, becomes disabled… or just wants out?

On today's episode, Darren and Christina break down one of the most overlooked — yet absolutely critical — tools for business owners: the Buy-Sell Agreement.

A buy-sell agreement isn't just a legal document. It's a business-saving strategy that protects your company, your partners, your family, and your legacy when the unexpected happens. Whether you're a doctor in a practice, a real estate investor with JV partners, or running a family-owned business — this is an episode you can't afford to miss.

Here's what we cover in this episode:

• What is a Buy-Sell Agreement? (and why every business needs one)

• The devastating risks of NOT having a plan in place

• Real-world stories of businesses saved (or destroyed) by buy-sells

• The importance of business valuations (and CRA compliance in Canada)

• Key clauses every buy-sell agreement should include (shotgun clause, first right of refusal, tag-along/drag-along, and more)

• Why funding matters — and how life insurance is the smartest, most tax-efficient tool to protect your business

• Cross purchase vs. share redemption: how to structure agreements properly

• Tax advantages of using insurance inside your corporation

• Legacy and succession planning for multi-generational businesses

Darren and Christina share real client examples, common mistakes, and practical strategies that could save your company millions — and prevent your family from inheriting chaos instead of wealth.

If you're a business owner, entrepreneur, or investor, this is an essential episode for protecting everything you've worked for.

Show notes:

00:00 - Introduction

1:55 - What is a buy-sell agreement?

7:50 - Common clauses in a buy-sell agreement

15:35 - Funding a buy-sell agreement

21:00 - How does it work when you die?

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