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Business Risk & Planning Seminar

New and growing businesses face a constant uphill battle, with nearly 65% failing in their first ten years. With the level of attention and focus required to make a business work, it’s no surprise that important elements of business planning are often postponed in favor of more immediate demands.

In this seminar, participants will explore strategies to address business risks that many owners and managers worry about but don’t always take action to solve. Identifying and addressing these planning considerations can bring greater confidence across an organization—from owners and managers to frontline employees.

Key Topics Include:

• Risk management
• Key employee planning and retention
• Buy/sell funding
• Business succession planning
• Employee benefits
• Deferred compensation and retirement plans

Financial Advisor, Northwestern Mutual

David Macfarlane is a financial advisor and small business owner who has called Cache Valley home since 2020. Originally from Greeley, Colorado, he earned a degree in business from BYU and later completed a master’s degree in instructional psychology.

David’s background in both business and education allows him to deliver practical, tailored financial planning solutions for the organizations his clients are building. He operates his practice from Northwestern Mutual’s Center Street office in Logan and specializes in meeting the unique needs of businesses.

David and his wife, Danielle, are raising their five children in Providence. He enjoys hiking, biking, camping, and great music.

Financial Advisor, Northwestern Mutual

Justin Worthen helps individuals and families build financial confidence through plans aligned with their values and long-term goals. He is a graduate of Utah State University with a double major in Finance and Economics.

Justin combines analytical insight with a genuine interest in people, focusing on connection, trust, and decision-making that brings peace of mind and lasting impact.

Originally from Kamas, Utah, Justin now lives in Logan with his wife, Kaitlyn. He enjoys outdoor activities, family time, and personal growth. His core value—relationships first—guides both his personal and professional life.