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The U.S. Census Bureau reported that 5.4 million new business applications were filed in 2023, surpassing the record set in 2023 of 4.4 million. Obviously, entrepreneurs are looking at the landscape, weighing the pros and cons, and pulling the trigger to start their journey to small business ownership. Approximately 50% of all new businesses fail within the first five years. For anyone who currently runs a small business, that statistic is probably not surprising. With the inevitable long hours, inherent financial risk, competition, and the need to become semi-fluent in scintillating topics like taxes, insurance, and workers’ compensation laws, it is not surprising that there are several options or pathways for negative outcomes.