Shareholders Agreement
The Missing Link in Business Legal Agreements: Financial Execution
Simple Advice – Experts in ACC Entitlements, Shareholder Risk, and Business Financial Protection
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Lawyers craft strong Buy-Sell Agreements, Shareholder Agreements, and Estate Plans. But without the right financial structure behind them, even the best legal documents can fall short when it matters most.
That’s where we come in.
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At Simple Advice, we work alongside legal professionals to ensure their clients have the insurance cover, ACC entitlements, and financial risk strategies needed to activate those agreements when life takes an unexpected turn. Together, we help clients turn smart legal planning into real-world protection.
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Where Legal Agreements Fail Without Financial Backing
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Many business owners have legal agreements in place, but when a shareholder dies, is disabled, or exits, there is often no financial plan to fund the agreement.
Without proper financial structuring, businesses struggle with:
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No ACC fatal entitlements or income protection – leaving families financially exposed.
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No funding for shareholder buyouts – forcing surviving shareholders to take on excessive debt.
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No revenue replacement for key people – leading to cash flow crises when key individuals are unable to work.
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No structured debt repayment plan – leaving personal guarantees and business loans in jeopardy.
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Loss of business value on windup – with owners forced to liquidate at a fraction of the true value.
Our job is to fix these gaps before they become business-ending problems.
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Why Partner With Simple Advice?
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We specialize in business risk structuring, ensuring that your clients’ agreements are financially executable.
Without proper financial structuring, businesses struggle with:
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ACC Fatal Entitlements & Income Protection
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Structuring ACC CoverPlus Extra to guarantee income replacement while minimizing levy costs.
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Ensuring business owners’ families receive maximum ACC fatal entitlements when the worst happens.
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Shareholder Income Protection & Buyout Funding
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Funding Buy-Sell Agreements through structured insurance, ensuring shareholder exits are fully funded.
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Protecting shareholders’ families by ensuring income continues even if the business is disrupted.
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Replacement Revenue for Key People
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Structuring Key Person Insurance to provide replacement income when a critical executive, shareholder, or specialist is unable to work.
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Ensuring businesses don’t collapse due to lost expertise or leadership
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Debt Repayment Strategies
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Ensuring outstanding business loans, overdrafts, and shareholder advances are repaid in the event of an owner's death or disability.
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Protecting remaining owners from personal financial liability.
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Mitigating Lost Business Value on Windup.
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Structuring liquidation protection strategies to preserve the maximum value of a business if forced to shut down.
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Ensuring families and shareholders don’t suffer unnecessary financial losses.
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Case Study: Protecting a Multi-Shareholder Business from Financial Collapse
​Problem:
A company with two shareholders had a Buy-Sell Agreement but no funding strategy. If one owner passed away, the remaining partner couldn’t afford to buy out the estate’s shares.
Solution:
A structured Shareholder Protection Plan, ensuring that insurance payouts fund the buyout in full without requiring bank loans or selling assets.
Outcome:
The business avoids financial strain, the deceased shareholder’s family receives their rightful value, and the remaining partner retains full ownership without taking on personal debt.
Case Study: Ensuring ACC & Key Person Cover for Business Continuity
​Problem:
A business owner earning $130,000 per year assumed ACC would protect their income if they became seriously ill. But when they developed a medical condition, they discovered ACC wouldn’t provide any support—leaving their income, business, and family vulnerable.
Solution:
We restructured their ACC CoverPlus Extra, reducing unnecessary levies and freeing up cash flow. That savings was used to fund a tailored private insurance policy that provided:
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A guaranteed income stream for their family if they couldn’t work
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A key person benefit to help the business replace lost revenue or hire temporary support
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Outcome:
The business avoids financial strain, the owner’s family gains financial security if they can’t work, and the business has the funding to continue operating, remain solvent, and recruit necessary staff without disruption.
We Strengthen Your Legal Work with Financial Expertise
Without the right financial planning, ACC structuring, and business insurance, legal agreements fail to protect business owners.
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We ensure that:
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Buy-Sell Agreements are backed by funding so shareholder exits happen seamlessly.
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Estate Plans include structured business risk protection, ensuring businesses don’t suffer when an owner dies.
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ACC entitlements & CoverPlus Extra strategies are optimized, so business owners maximize income protection while keeping levies efficient.
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Key Person Cover provides essential revenue replacement, preventing financial collapse if an owner or executive is temporarily or permanently unable to work.
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Debt repayment planning ensures that outstanding business loans are covered, protecting remaining shareholders.
Get in Touch
If you work with business clients, let’s discuss how we can strengthen your legal agreements with financial risk planning.