Most business owners I meet have worked for decades to build something real. They've taken the risks. Missed the weekends. Made the hard calls. And when I ask them what they want to happen to their wealth when they're gone, the answer is usually some version of the same thing: "My kids are taken care of. That's enough." I understand that instinct completely. But there's a conversation we're not having, and it's costing families far more than they realize. Let me show you some