According to the U.S. Small Business Administration, roughly 50 percent of small businesses fail within the first five years. One of the top eight reasons for failure: failing to draw an impenetrable line between personal and business funds. Many small-business owners, set up as sole proprietors, have no clue about the risk they are taking on their personal financesRead more of this article by Frank X. Laborde: Proper business structure can save taxes and protect assets - San Antonio Business Journal.