Txwealthlaw

The Handshake That Can Haunt You.

Personal guarantees are the quiet killers.

A personal guarantee is a hole in your LLC’s protection. It lets a creditor step around the liability shield and come after you personally if the business can’t pay.

When you sign one, you’re not just backing a business loan. You’re putting your home equity, your savings (including what you’ve set aside for your kids), and even your future income on the line for a business risk.

Consider Richard. He built a 23‑location auto parts chain over 27 years. When the pandemic hit, he needed capital to keep the doors open. He signed a $12 million personal guarantee for expansion financing.

The expansion failed. The guarantee didn’t.

At 61, Richard was starting over with almost nothing.

Twenty‑seven years of building, gone. Not just because the business failed (businesses fail), but because a single signature erased the separation between his business risk and his personal life.

Your LLC isn’t the shield you think it is if you’ve signed away your protection one document at a time.

Before you sign any guarantee, ask: what am I actually pledging here? If the honest answer includes your family’s financial security, it’s worth a harder conversation with your lender and your advisory team.

🚨 Live Event Alert for Austin Families & Business Owners 🚨

We’re hosting a free in-person event to help high-income families and business owners get the clarity, confidence, and control they need when it comes to protecting everything they’ve worked so hard to build. 💼🏡

🍷 Wine & Wills: Be Your Family’s Hero
📅 Wednesday, May 14th at Noon
📍 Circle C Community Center, Austin, TX
🎟 Reserve your spot now → https://txwealthlaw.com/live-event

In just one powerful hour, you’ll learn how to:
✅ Protect your independence and legacy
✅ Avoid court, conflict, and costly mistakes
✅ Leave behind more than assets — leave behind intention, strategy, and peace of mind

💡 Presented by Zachary D. Kamykowski, estate planning attorney with over two decades of experience serving high-net-worth families and entrepreneurs.

🎁 Exclusive Bonuses Available for Attendees Only
🍷 Premium wine
📘 Secure Futures eBook
💰 $250 planning credit
💬 $750 off a 2-hour strategy session

If you’ve been putting this off, this is your moment. There’s no replay, and seats are limited. We’d love to see you there.

👉 https://txwealthlaw.com/live-event