Risk & Business Magazine Cal LeGrow Fall 2016 | Page 7

BUY-SELL AGREEMENTS

“BEING UNPREPARED
FOR SUCH EVENTS AS
PREMATURE DEATH,
DISABILITY, OR
INCAPACITY COULD
ERASE ALL THAT YOU
HAVE WORKED A
LIFETIME FOR...”
you and other professionals to ensure both your current
and future needs have been addressed in the agreement.
A buy-sell agreement can also address other important
issues arising from events such as divorce, disability,
critical illness, retirement or withdrawal, or bankruptcy.
Whether you have a small, medium or large business,
it is imperative that you have a buy-sell agreement
in place. I would be happy to review your current
situation, help you get an agreement set up, and
assist you in putting the proper funding in place.
Business is not only about success but also about
succession and a proper buy-sell agreement will give
you peace of mind knowing things will always be
taken care of when the unexpected happens. +

BY: KIRK STOYLES, CLU, DIRECTOR,
CAL LEGROW FINANCIAL

Kirk Stoyles is a director at Cal LeGrow Financial who graduated
with a business degree from Memorial University of Newfoundland
in 2002. Ever since, he has worked in the insurance industry. He
became life licensed in 2004 and began working under the very
well-known Cal LeGrow Insurance and Financial Group banner
as a financial advisor.
Kirk specialises in helping individuals and corporations with their
insurance and financial matters, and he is especially well versed in
group benefits. He has a Chartered Life Underwriter designation
and also focuses on the more complex world of estate planning
and wealth transfer as these disciplines have become increasingly
important issues in this changing economic landscape.