For many of us, owning our own business is the fulfillment of a lifelong dream. If you're lucky enough to make a living doing what you love, it can feel as though the sky is the limit-and every day is a step closer to the future you've always envisioned for yourself.

But whether you have one employee, thirty, or three-hundred, there is a secret threat that puts business owners everywhere at risk. A threat so terrible that it could sabotage your financial future-and turn that dream of owning your own business into a total nightmare.

Perhaps, as an employer, you have no idea of...