There is no sense in working hard, creating wealth and then not protecting what you have made. Business is about taking considered and calculated risks. What can you afford to lose if things do not go to plan? A risk review with your PKF Carr & Stanton adviser is essential to understand what is protected and what is not. Business and personal circumstances undergo constant change, so the risk plan needs to be updated and fine-tuned. Some of the areas covered in the review include entity structures, personal and business insurance, ACC cover, shareholder agreements, wills, memorandum of wishes, gifting and relationship property protection.