{"id":9041746,"date":"2026-06-10T07:00:54","date_gmt":"2026-06-10T07:00:54","guid":{"rendered":"https:\/\/www.gremicat.es\/?p=9041746"},"modified":"2026-06-03T11:50:00","modified_gmt":"2026-06-03T11:50:00","slug":"continuing-the-business-after-retirement","status":"publish","type":"post","link":"https:\/\/www.gremicat.es\/en\/continuing-the-business-after-retirement\/","title":{"rendered":"Continuing the business after retirement"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"9041746\" class=\"elementor elementor-9041746 elementor-9041653\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-49c1017 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"49c1017\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-6219a18\" data-id=\"6219a18\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-13e5ed4 elementor-widget elementor-widget-heading\" data-id=\"13e5ed4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">When a self-employed person retires, the question isn&#039;t just whether they can stop\nworking, but what happens to the business that continues to operate. Retirement for\na self-employed person doesn&#039;t always mean closing the business.<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-a0682ce elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"a0682ce\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-383cea9\" data-id=\"383cea9\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-8a0138e elementor-widget elementor-widget-spacer\" data-id=\"8a0138e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-73eee7b elementor-widget elementor-widget-text-editor\" data-id=\"73eee7b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>There is a widespread (and not entirely accurate) belief that, once retired, a self-<br \/>employed person must completely sever ties with their business. The regulations don\u2019t quite work that way.<br \/><br \/>The General Social Security Law generally establishes that a retirement pension is<br \/>incompatible with employment, but it includes some important caveats. Among<br \/>them, one is particularly important: it is possible to retain ownership of the business while retired.<\/p><p>However, here is the key distinction: being the owner is not the same as managing<br \/>the business.<br \/><br \/>Keeping the business in your name does not mean you can continue working in it as before. That is where problems usually arise.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-4dbb6ad elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"4dbb6ad\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-b774281\" data-id=\"b774281\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-f29fbd1 elementor-widget elementor-widget-spacer\" data-id=\"f29fbd1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-643fade elementor-widget elementor-widget-heading\" data-id=\"643fade\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">1. What a retired business owner can (and cannot) do<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-76fecc8 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"76fecc8\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-2697998\" data-id=\"2697998\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-b1229e3 elementor-widget elementor-widget-text-editor\" data-id=\"b1229e3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>The limitation does not lie in ownership, but rather in the type of duties performed.<br \/>Regulations and legal doctrine have defined this point quite precisely:<br \/><br \/>What they can do:<\/p><ul><li>Sign contracts<\/li><li>Formally represent the business<\/li><li>Interact with government agencies<\/li><li>Set general guidelines<br \/><br \/><\/li><\/ul><p>What they cannot do:<\/p><ul><li>Manage the day-to-day operations of the business<\/li><li>Be regularly present at the business<\/li><li>Operationally supervise employees<\/li><li>Perform tasks specific to the business\u2019s operations<br \/><br \/><\/li><\/ul><p>To put it more clearly: they can be an \u201cowner,\u201d but not an \u201cactive manager.\u201d<br \/><br \/>Regular presence at the business or direct involvement in its operations may result<br \/>in ineligibility for the pension.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-de44c7f elementor-widget elementor-widget-spacer\" data-id=\"de44c7f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-47cd065 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"47cd065\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-bf116b7\" data-id=\"bf116b7\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-44973e7 elementor-widget elementor-widget-heading\" data-id=\"44973e7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">2. The role of family members. This is where the structure often breaks down<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-e2b1b06 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"e2b1b06\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-3320aeb\" data-id=\"3320aeb\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-cf5beab elementor-widget elementor-widget-spacer\" data-id=\"cf5beab\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c8a5f25 elementor-widget elementor-widget-text-editor\" data-id=\"c8a5f25\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>One of the most common mistakes in these cases occurs when people try to<br \/>maintain roles that no longer fit. This is especially true for the \u201ccollaborating self-<br \/>employed\u201d status.<\/p><p>This status requires something very specific: there must be a primary self-employed<br \/>individual who is carrying out the work. If the primary individual is retired and not<br \/>working, that requirement no longer applies.<\/p><p>Therefore, it is not correct to retain a family member as a collaborating self-<br \/>employed worker if the principal is no longer carrying out any actual activity.<\/p><p>Retaining a collaborating self-employed worker in this situation may be questioned<br \/>by Social Security.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4bb7d97 elementor-widget elementor-widget-spacer\" data-id=\"4bb7d97\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-6517da2 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"6517da2\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-356410f\" data-id=\"356410f\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-dc530cc elementor-widget elementor-widget-heading\" data-id=\"dc530cc\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">3. So who should take over the activity?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-064ade1 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"064ade1\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-98521ab\" data-id=\"98521ab\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-7c9f24e elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"7c9f24e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>This is where the structure must adapt to reality. There are two main options, and<br \/>they are not simply interchangeable:<br \/><br \/><strong>Option 1: The family member becomes the primary self-employed individual<\/strong><\/p><ul><li>Take over the business operations<\/li><li>Registers with the RETA<\/li><li>Directly manages the business<\/li><li>Becomes the actual person in charge of the business<br \/><br \/><\/li><\/ul><p>This is the most logical option when the family member is already running the business in practice.<\/p><p><strong>Option 2: Employment Relationship<br \/><\/strong><br \/>It might be considered that the family member could be an employee under the<br \/>General Social Security System, but two key elements come into play here:<\/p><ul><li>Actual dependence<\/li><li>Third-party involvement in the business<\/li><\/ul><p><br \/>And, furthermore, a determining factor: cohabitation.<br \/><br \/>In many family situations, these requirements are not clearly met, making this option more difficult to sustain.<br \/><br \/>Registering a family member as an employee without meeting the requirements may<br \/>result in corrective actions and penalties.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-895e904 elementor-widget elementor-widget-spacer\" data-id=\"895e904\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-6db7a36 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"6db7a36\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-8a512da\" data-id=\"8a512da\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-6fee736 elementor-widget elementor-widget-heading\" data-id=\"6fee736\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">4. The Option of Active Retirement<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-ea629ef elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"ea629ef\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-4b9360b\" data-id=\"4b9360b\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-e2c63c7 elementor-widget elementor-widget-text-editor\" data-id=\"e2c63c7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>There is another option, albeit with specific conditions: active retirement. This allows<br \/>you to combine your pension with continued work, but it is not automatic. It requires,<br \/>among other things:<\/p><ul><li>Having reached the standard retirement age<\/li><li>Having made sufficient contributions<\/li><li>Waiting at least one year after reaching that age<\/li><li>Remaining employed in the private sector<br \/><br \/><\/li><\/ul><p>For self-employed individuals:<\/p><ul><li>It can be combined with a percentage of the pension (generally 75% in certain cases)<\/li><li>It requires employees to be hired under specific conditions<br \/><br \/><\/li><\/ul><p>It is an interesting option, but it does not always apply in every case.<br \/><br \/>Do not confuse full retirement with active retirement. They are completely different<br \/>situations for legal purposes.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-481261f elementor-widget elementor-widget-spacer\" data-id=\"481261f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0852fc2 elementor-widget elementor-widget-heading\" data-id=\"0852fc2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">5. A practical conclusion to keep in mind<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0b076dc elementor-widget elementor-widget-text-editor\" data-id=\"0b076dc\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>When a self-employed person retires, the business can continue&#8230; but not just any old way.<br \/><br \/>The key is to understand this:<\/p><ul><li>Ownership can be retained<\/li><li>The business cannot be operated directly<\/li><li>Employment arrangements must reflect reality<\/li><li>And the structure must reflect who is managing the business<br \/><br \/><\/li><\/ul><p>In practice, many family-run businesses operate smoothly&#8230; until they are reviewed.<\/p><p>If the structure does not reflect the reality of who works and who manages, the risk is not theoretical. It usually ends in a regulatory audit.<br \/><br \/>You can contact this professional firm for any questions or clarifications you may have regarding this matter.<br \/><br \/><br \/><\/p><p>For more information, please consult our <a href=\"https:\/\/www.gremicat.es\/en\/labour-consultancy\/\" target=\"_blank\" rel=\"noopener\">Labor Consulting<\/a><br \/><br \/>If you find this interesting, please share it on social media\u2014thank<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5b8a74e elementor-widget elementor-widget-spacer\" data-id=\"5b8a74e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>When a self-employed person retires, the question isn&#8217;t just whether they can stopworking, but what happens to the business that continues to operate. Retirement fora self-employed person doesn&#8217;t always mean closing the business.<\/p>\n","protected":false},"author":1,"featured_media":9041656,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[876],"tags":[],"class_list":["post-9041746","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-labour"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Continuing the business after retirement - gremicat<\/title>\n<meta name=\"description\" content=\"When a self-employed person retires, the question isn&#039;t just whether they can stopworking, but what happens to the business that continues to operate. 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