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You Can’t Work for 6 Months. Here’s What Your Business Needs
By Tammy Silvas • September 7, 2026
Business owner disability insurance is one part of the plan. Use this six-month test to protect payroll, household income, legal authority, and cash flow. You wake up after surgery and reach for your phone. Your spouse stops you. The doctor…
You Have Life Insurance. Here’s What Your Family Actually Needs.
By Tammy Silvas • September 7, 2026
A life insurance beneficiary review can reveal outdated names, minor beneficiaries, and trust conflicts before they disrupt the future your family needs. You bought the policy when your first child was born. You chose an amount that felt en…
Small Business Legal Checklist: What to Review as You Grow
By Tammy Silvas • August 31, 2026
Your business has grown. Use this small business legal checklist to review the legal, insurance, financial, and tax systems supporting what comes next. In January, you had two contractors and a manageable client list. By August, you have an…
Your Trust Could Reach the 37% Tax Bracket at Just $16,000
By Tammy Silvas • August 31, 2026
A SECURE Act IRA trust can reach the 37% federal tax bracket at just over $16,000 in 2026. Here's what families with retirement accounts should review. You did the work. You saved for retirement, signed a trust, and named beneficiaries beca…
What Happens to Your Business When You Die Without a Plan?
By Tammy Silvas • August 24, 2026
A will won't keep your business running. Here's what business owners actually need: buy-sell agreements, incapacity plans, and coordinated LIFT coverage. You've put years into your business. You've built the client relationships, hired the…
You Made a Will. Here’s What It Can’t Do.
By Tammy Silvas • August 24, 2026
Making a will is step one. Here's what most families miss after they sign, and what actually protects the people you love. You did it. Maybe Make-A-Will Month finally moved it to the top of your list. Maybe you've been meaning to get this d…
Q4 Business Planning Checklist: What to Review Before October
By Tammy Silvas • August 17, 2026
Most business owners hit Q4 unprepared. Here's the legal, insurance, financial, and tax review to do in August before the pressure builds. August feels like a slower month. The inbox thins out. The pace drops. But if you run a business, Aug…
Frozen Accounts, Court Delays, and Grief: What Happens in the Probate Process
By Tammy Silvas • August 17, 2026
Understanding why this happens starts with knowing what shifts the moment someone dies. Your mom told you not to worry; she had everything handled. You were her power of attorney, helping her pay bills and manage her accounts. When she pass…
Make-A-Will Month Is a Good Reminder. But Business Owners Need More Than a Will.
By Tammy Silvas • August 10, 2026
You built this business. Without a succession plan, what you built goes into crisis the moment you are gone. You built this business. You have clients who rely on you, employees who show up every day because you showed up first, and debts y…
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