RLF Advisory insights

When everyone is finally together: What to discuss before the moment passes

We've found that some of the most important family conversations don't happen in boardrooms or around a conference table. They happen naturally, when people are relaxed, connected, and spending time together....

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The lifecycle of your employees (and why your benefits plan should evolve with them)

Employees join your organization at different stages of life, their priorities evolve over time, and the support they value today may look very different in the future. The most effective benefits programs recognize this....

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What happens if your career ends earlier than planned?

While most executives spend considerable time planning for retirement, far fewer prepare for the possibility that their career could end sooner than expected. One of the most valuable planning exercises is asking, "What would happen if your career ch...

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How to talk to your spouse about the business (and why you should)

Whether one spouse is actively involved in the company or not, the business affects both of their lives. We see the strongest long-term outcomes happen when both spouses understand not just the family finances, but the role the business plays within...

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“We don’t talk about that”: Why financial conversations with aging parents matter more than ever

For many families, discussing aging, mortality, and future decision-making can feel deeply uncomfortable. So families delay the conversation until suddenly, they no longer have the luxury of time....

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Financial stress at work: the cost employers don’t measure

When employers think about the health of their organization, they tend to focus on what they can measure: revenue, profitability, turnover and benefits costs. But financial stress is the unseen factor influencing all of those factors....

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Why complex executive compensation requires a team approach

We often meet executives at pivotal moments where income has grown and opportunities have expanded, along with the decisions that need to be made. Our team approach can help high-earners make more informed decisions with confidence....

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The personal side of succession: Preparing for the emotional exit

When people talk about business succession, the conversation usually centres on numbers: valuation. Tax planning. Deal structures. Transition timelines. But there’s another part of succession that often receives far less attention – the personal side...

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Four generations, one plan: Navigating the new reality of family wealth

Longer life expectancies mean it’s increasingly common for four generations to be alive at the same time. The result? A new planning reality. Your family wealth may need to support multiple generations simultaneously....

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