Hi Rick!
On the splitting/sharing of Life Admin with the family, this is a common question that I keep meaning to address. 
But I just had a great idea. Watch this space.
Until then, there are threads here and on Discord. You just have to find then pull on them yourself, which isn’t ideal.
- The main Life Admin support topic discusses this throughout.
- Separate "11 Self" from Life Admin area - #2 by jan0sch
- Life Admin System, partially shared
- Otherwise use the search for “life admin shared”, “life admin family” and so on.
On the business question if you have a rotating client base I’d probably keep the active work in Small Business’ 34 Orders & jobs. Subfoldered there by client probably. But would need more info/to think about that one a bit harder.