On a business trip to New York City in 2003, financial advisor Sarah Carlson Rieger was crossing the street when an SUV came barreling at her. In an instant, Rieger was catapulted 30 feet into the air. When she landed, she had shattered her pelvis.

Rieger, president and founder of Fulcrum Financial Group of Spokane, Wash., endured seven surgeries over the next three years as well as rehab to restore the use of her legs. Most of her doctors thought she'd never walk again. In the months and years that followed, Rieger's associate and assistant took over the business by servicing clients, but her firm's dedicated wealth management work was on hold. "The income from servicing went toward the business," she explains. "But the business was no longer profitable. All the profit dried up because I was the rainmaker, and I was out."

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