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Even if you're a long way off retirement, find out why it pays to start planning for the future now. Germany's ‘Mittlestand' companies – the millions of family owned small and medium-sized companies that form the backbone of their booming economy – are proof of how investing in future generations can create a rich, innovative family legacy of benefit not just to owners but to the country as a whole. Releasing cash by selling a business is becoming increasingly difficult. Instead, many business owners are deciding to pass their businesses on to the next generation. Which is good for themselves,