Succession begins long before ownership changes hands.
Protecting Your Family, Wealth and Business
Protect What You Built. Preserve the Choices Ahead.
Prepare for events that could put your income, business, or estate under pressure.
A family can own valuable assets and still be short of money when life changes. Death, illness, disability, or the loss of a key person can create bills and decisions at the same time.
We help you identify the losses that would be hardest to absorb. We then compare the money already available with the insurance or other protection that may be needed.
Peter J. Merrick, TEP, leads every plan. He sees how the family, business, and estate fit together. We bring in independent experts when needed.
Who We Help
Families that depend heavily on one person for income, care, or financial decisions.
Business owners whose company relies on an owner, partner, or key employee.
Families whose wealth is tied up in a business, land, real estate, or long-term investments.
People whose insurance, ownership, or estate plan has not been reviewed after a major change.
What We Help You Work Through
Measure the financial effect of death, illness, disability, or the loss of a key person.
Review cash, savings, company funds, and current insurance.
Identify the risks the family can carry and the risks that may need insurance.
Check who owns each policy, who receives the money, what it costs, and what job it must do.
Connect the protection plan with the business, investments, estate, and family plan.
Start With the Loss, Not the Product
The first question is not which policy to buy. It is what would happen if income stopped, an owner could not work, or the estate needed money quickly.
We name the event, the people affected, and the amount of money that may be needed. Only then do we compare ways to cover the gap.
Available Money Protects Your Choices
A family may own a strong business or valuable land but still lack cash at the right time. Tax, debt, payroll, family support, and owner buyouts may not wait for an asset to be sold.
Cash and insurance can create time. They may help the family avoid a rushed sale, unwanted loan, or change to the estate plan.
Insurance Is a Contract
Insurance transfers a defined risk to an insurer under a contract. The policy will include costs, conditions, limits, and events that are not covered.
We help you understand the job of the policy. A licensed insurance professional confirms the product, terms, and application details.
Keep the Whole Plan Connected
Protection choices can affect company cash flow, taxes, ownership, investments, and the estate. A policy held in the wrong place may not provide money where it is needed.
We keep the family and business plans in one view. When investment planning is part of the work, Peter can connect it with PFC Wealth Solutions so the investment plan supports the same goals.
What a Stronger Position Looks Like
You know which events could put the plan under pressure. You know how much money may be needed, what is in place, and where a gap remains.
What Happens Next
Start with a confidential conversation. Tell us what you own, what is changing, and where you need greater clarity.
Organize the whole picture. We identify the key facts, gaps, risks, and decisions that need attention.
Set the next steps. We put the work in the right order. We bring in legal, tax, insurance, and investment experts when needed.
Continue the Research
These resources provide more background for readers who want to go deeper.
Articles and Video Briefings
Aligning Insurance With Enterprise Liquidity Exposure - shows why timing risk and liquidity insufficiency can destabilize an otherwise strong enterprise
Whole Life Insurance in Enterprise Capital Architecture - explains why exposure mapping must come before product selection
Before Succession Becomes a Liquidity Event - examines how unfunded transition obligations can force decisions
Frameworks and Planning Tools
The Liquidity Gap™ - tests whether obligations can be met with accessible capital in the right place and at the right time
The Five Pillars of Asset Security™ - connects insurance with ownership, income, tax planning and continuity
Owning Assets in Order of Asset Security™ - tests wealth for control, access, independence and continuity
White Papers
Last Asset Standing™ - examines custody, digital dependency and the difference between apparent ownership and durable control
Explore the complete Reset Report library: Research | Frameworks | White Papers
Related Peter J. Merrick services
Why Work With Us
We begin with the family and business facts, not a product. Peter leads the review and keeps the legal, tax, insurance, estate, and investment work connected.
Frequently Asked Questions
Question 1: Do we automatically need more insurance?
No. We first measure the need and review the money and coverage already available. The answer may be more coverage, a different structure, a larger cash reserve, or no change.
Question 2: Is insurance the same as an emergency fund?
No. An emergency fund is money you can reach for many needs. Insurance pays only when the contract terms are met. A strong plan may use both.
Question 3: When should existing policies be reviewed?
Review them after a major change in family, health, debt, business ownership, residence, estate plans, or named heirs. A regular review also confirms that the old purpose still exists.
Question 4: Who may need to take part in the review?
The facts may call for an insurance expert, lawyer, accountant, investment adviser, or cross-border expert. Each person gives advice in their own field.
Take the Next Step
Your plan may depend on one person, one business, or assets that take time to sell. We can begin by measuring the risk and the cash on hand.
If you want to keep learning, subscribe to the weekly Reset Report. It covers ownership, cash, succession, insurance, cross-border plans, and family wealth. Each subscriber also receives a free digital copy of The King of Main Street.
Peter J. Merrick
Cross-Border, Estate and Insurance Planning
Peter J. Merrick provides estate, succession, cross-border and insurance planning only in the applicable disclosed capacity and jurisdiction.
Insurance Advice
Insurance Processing
Insurance business is submitted and processed through MAX Financial Ltd. and applicable insurers.
Investment & Portfolio Relationships
Securities Advice
Peter J. Merrick’s role in any Axcess Capital Advisors Inc. relationship is referral-only. He is not an Axcess Dealing Representative and does not provide registration-dependent securities advice. Any securities or portfolio-management services are provided by the responsible registered person or independent portfolio manager under separate agreements.
Relationship Disclosure Information
Referral Relationship
Precious Metals Referrals
Direct precious-metals introductions may be made through Peter J. Merrick to New World Precious Metals under a separately disclosed referral arrangement.
Legal, Privacy & Disclosures
Independent Professional Relationships
PFC Wealth Solutions™ and Peter J. Merrick are separate professional practices. Each is responsible for its own services, agreements and applicable disclosures.
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