Also, if the parties do not address what happens upon the death or disability of an owner, the remaining owners could end up in business with the spouse or other family members of a disabled or deceased partner. Toby teaches extensively throughout the US to groups of investors and professionals, with many of his courses certified for continuing education credit for legal, accounting, and real estate professionals. Completing the beneficiary has also has authority of agreement details commonly found on a list five, deficient performance audit.