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Most of us spend more time thinking about what we want to happen than what might happen. We plan for retirement, holidays, our children's futures, growing a business or advancing careers, and eventually having more freedom over how we spend our time.

For many professionals and business owners, there comes a point where retirement starts to feel less theoretical. The mortgage may be under control, earnings have increased, pension contributions are ticking along, and investments are growing. On paper, everything appears to be moving in the right direction.

Growing a successful business is an achievement that takes years of hard work, resilience and commitment. For many business owners, the company becomes far more than a source of income - it's the result of countless decisions, long hours and personal sacrifices. As the business grows, it's natural to assume that personal wealth is growing alongside it.