Hua Quan in Friends and Hua Ji in Wealth do not prove a partner will take your money. They suggest two useful checks: who may make commitments, and who must pay when cash arrives late.
List decisions about price, hiring, purchases, and refunds. Give each an approver and an executor. Then map ad spending, client installments, vendor bills, and refund obligations by date. A partner who brings clients should not automatically set unlimited discounts if another person must deliver and finance the work. Try a bounded project before a long commitment, and have relevant professionals review major legal or financial terms. The chart frames questions; agreements and accounts define responsibility.