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Question: Brett, my family owns a winery. We have some really great staff including 3 winemakers that have been with us since the beginning. They are very well rewarded for their valuable skills and experience. We are not a big operation but we turn a healthy profit based on a good product.

We had a scare recently. One of our winemakers had an accident whilst on a holiday in Bali. It got us thinking about what would happen to the business if somebody died. Our accountant tells us that you recommend the 'Buy-Sell Agreement'. How can we protect the business?

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