This is a valuable question because illness, death, or retirement can be a factor for any advisor. I have a longer summary of such risks and how we’ve addressed them in our firm. Briefly, my death, illness or disability would trigger funding to protect my clients’ planning at our firm. I could also retire but I’m passionate in serving my own clients, and in supporting how other advisors serve theirs! My goal is retiring 3days/week, 3weeks/quarter until age 80 and continue learning, growing, sharing and advising professionally at least until then.