The only two certainties in life are death and taxes.

And you can plan for both.

But what about the unforeseen hand grenades life throws at you that could rip your business apart?

You can defuse these hidden bombs by becoming a master of your own destiny, says financial services guru Malcolm Payne, who insists that every business person must make risk management a priority in order to survive.

In this section of our exclusive interview with the industry icon, Malcolm discusses the “Buy-Sell Story” and how to consolidate your business and safeguard against financial ruin.