Build your business and your assets
You carry your business on your shoulders, let us carry your financial strategy. Tax optimization, protection, retirement and estate planning: integrated solutions for Quebec entrepreneurs.
What we do for you
The financial challenges of entrepreneurs
Being an entrepreneur means juggling complex financial decisions that few advisors truly understand. Here are the challenges we address with our clients every day.
Salary or dividends?
How can you pay yourself to minimize total tax while preserving your RRSP, QPP and TFSA contribution rights?
Too much corporate tax
You accumulate cash in your company, but you pay tax on passive income without an optimization strategy.
No pension fund
Unlike salaried employees, you don't have an employer-sponsored pension plan. How can you build your retirement savings effectively?
What if something happened to you?
What would happen to your business, your family, and your employees if you became disabled or died suddenly?
Shareholder conflicts
No purchase-sale agreement in place? A departure, divorce, or death could paralyze your business.
Transition and succession
How to transfer your business to the next generation or sell it while minimizing tax and maximizing value?
Integrated solutions for entrepreneurs
A 360° approach that combines taxation, protection, investment and succession — tailored to the unique realities of owner-managers.
Incorporation strategy
Analysis of the optimal time to incorporate, choice of structure (Inc., management company, trust) and effective implementation to maximize your tax advantages.
Salary vs. dividends
Optimizing your compensation between salary and dividends to minimize total tax while preserving your RRSP and QPP contribution rights.
RIP and RPDB
Setting up an individual retirement plan or a defined benefit pension plan to contribute well beyond the limits of the RRSP.
Corporate tax optimization
Income splitting strategies, passive income management, capital dividend accounts (CDAs) and capital gains deduction (CGD).
Key person insurance
Protecting your business against financial loss due to the death or disability of an executive or employee essential to your profitability.
Purchase and Sale Agreement
Drafting and financing (through life insurance) of shareholder agreements to manage the death, disability or departure of a business partner.
Employee benefits and group insurance
Implementation of regimes ofgroup insurance for your employees — a powerful tool to attract and retain talent.
Estate planning
Estate freeze, family trust, succession strategies and optimizing the transfer of your business to minimize taxes upon death.
holistic approach
At Gestalt, your entrepreneurial strategy is connected to your investment portfolio, your family protection and your overall tax planning. Everything is discussed, nothing is left to chance.
How we work together
A structured and collaborative approach to building a strategy that reflects who you are — and that evolves with your business.
Discovery meeting
We take the time to understand your business, your personal goals, and your financial situation.
Deep analyze
Our team analyzes your corporate structure, your taxation, your protections and your current investments.
Tailor-made strategy
We are building an integrated plan and presenting concrete recommendations with their quantified impacts.
Implementation and monitoring
We coordinate the implementation with your accountant and lawyer, then ensure regular follow-up.
Concrete results for real entrepreneurs
Here are three typical examples of situations we've solved for entrepreneurs like you. The numbers speak for themselves.
A 42-year-old IT consultant, with a corporate income of $220,000/year, was only paying himself a salary and accumulating cash in his company without a strategy.
Overhaul of compensation into an optimal salary-dividend mix, implementation of a RIP and corporate investment strategy to manage passive income.
Two co-founders of a small construction company (50/50), company value estimated at $2,4 million, no agreement in place, no death benefit.
Drafting of a purchase-sale agreement coordinated with their lawyer, financing through corporate life insurance to guarantee the repurchase of shares upon death.
A 58-year-old owner of a $3,8 million manufacturing business wishes to transfer it to his two children while preserving his retirement income.
Estate freeze, family trust, use of the capital gains deduction (CGD) and 10-year phased withdrawal strategy.
The results presented are examples based on typical situations. Each case is unique and results may vary depending on your personal circumstances.
Answers for entrepreneurs
Incorporation becomes advantageous when your income exceeds your personal needs and allows for tax deferral thanks to the lower corporate tax rate. A personalized analysis is essential to determine the right time.
The choice depends on your income level, your QPP contributions, your RRSP contribution room, and your long-term goals. A combination of both is often optimal.
The RIP is a defined benefit pension plan for owner-managers. It allows for higher contributions than an RRSP and offers a full tax deduction for your company.
It is a contract between shareholders that determines what happens to the shares in the event of the death, disability, or departure of a shareholder. It is often financed by life insurance to guarantee the necessary liquidity.
Key person insurance protects your business against financial loss due to the death or disability of an employee essential to its profitability — often yourself or a business partner.
Structured succession planning combines purchase-sale agreements, estate freezes, family trusts, and tax strategies to maximize the value transferred and minimize taxes.
Absolutely. We work closely with your accountant, tax advisor, and lawyer to ensure a consistent and well-coordinated strategy across all your professionals.
The initial consultation is free and without obligation. It allows us to understand your situation and explain how we can help you.
Ready to structure your strategy?
Let's discuss your business, your goals, and how we can help. advisors can help you build a financial plan that matches your entrepreneurial ambitions.
Contact us