The Four D’s are Death, Disability,
Divorce and Departure.
Death or Disability, the probability
The probability that a male aged 30
will die before age 65 is 1 in 7 or 14 %.
The probability that in a company
with two shareholders at least one will die or
become disabled before age 65
Source: Bay Financial Associates in the USA -
The statistics for women are not great
No we are not talking about the life partner
here. Divorce in this case is one or more of the
business owners/partners deciding to move on and
wanting their stake money, profit and possibly a
slice of goodwill out of the business.
This is a planned event regardless of whether it
involves the sale of the business or is some form of
This is what all business owners should be planning
for – a departure and a planned departure on known