You are building the company. We'll orchestrate the rest.
Taxation, protection, investments, succession planning: when everything is interconnected, everything needs to be communicated. We coordinate your financial strategy with your accountant, lawyer, and tax advisor—so you can stay focused on what you do best.
What we coordinate for you
Something we often hear in a first meeting
Not the technical challenges — the real ones, the ones that keep you up at night.
I have money sitting idle in my company and I don't know what to do with it.
Cash is accumulating in the company, but every decision — paying out dividends, investing in the company, placing investments, buying back shares — has tax implications that no one has taken the time to explain clearly to you.
Corporate liquidityMy accountant handles my taxes, my broker handles my investments, and nobody talks to each other.
Everyone works in their own silo. The result: decisions made piecemeal, missed opportunities, and you having to translate between your professionals.
Professional silosIf I get sick tomorrow, I'm not sure my family and my business will survive.
Outdated or missing purchase and sale agreement, key person insurance never reviewed, will predating incorporation, no "Plan B" documentation. Improvisation in a crisis is the default scenario.
Protection absentI generate a lot of income, but I don't feel like I'm really building my personal wealth.
Your personal finances come second to those of the company. No optimal compensation strategy, no structured retirement plan, no clarity on what you have actually accumulated — apart from the theoretical value of your company.
vague heritageA unified financial strategy, not a collection of products
We don't sell siloed solutions. We build a coherent financial architecture where each piece — corporate, personal, family — reinforces the others.
Integrated corporate and personal architecture
We analyze your structure (Inc., management company, trust) as a whole, with your accountant and tax advisor, to optimize the flow of dollars between your business and you: salary/dividend compensation, excess cash management, passive income, capital dividend accounts, capital gains deduction.
Owner-manager retirement
You don't have an employer pension plan — you are your own pension fund. RIP, RPDB. TFSA Corporate, corporate vs personal investments: we build a retirement strategy that takes advantage of all the levers that an employee does not have access to.
Asset protection and business continuity
Key person insurance, insurance-backed purchase-sale agreement, overhead expense insurance, extended disability insurance, life insurance Corporate with buyback value. We build a safety net that protects your family, your business, and your partners.
Coordinated corporate and personal investments
Corporate and personal portfolios (RRSP, TFSA, unregistered) and family (RESPtrusts) thought of together, with a planned 20-30 year tax withdrawal strategy — not just an annual return.
Succession and transition
Whether you are aiming for a sale to a third party, a family transfer or a gradual exit, we put in place the structures (estate freeze, trust, agreement) 10 to 15 years before the event — because a good transition is prepared well in advance.
How we work together
Introductory meeting — free of charge, no obligation
A conversation to understand your business, your family, your goals. No sales pitch, no sales pitch. You'll leave with a clearer understanding.
Integrated Financial Portrait
We analyze your corporate structure, protections, investments, and tax planning as an ecosystem. We identify disconnections, risks, and opportunities.
Strategic plan presented in plain language
The recommendations are quantified, prioritized, and most importantly: explained. You understand why before you understand what.
Coordination with your other professionals
We speak directly to your accountant, your lawyer, your tax advisor. You no longer have to do the translation — or the follow-up.
Annual review and adjustments
Your business evolves, your family evolves, the tax system evolves. We adjust the strategy every year, and immediately in the event of major events — acquisition, departure of a partner, birth, separation.
Concrete results for real entrepreneurs
Founder of an IT firm, 45 years old, corporate income of $280,000/year. $400,000 accumulated in the company without a strategy. Compensation based on gut feeling, no RIP (Retirement Income Plan), outdated disability insurance.
Analysis with his accountant, salary-dividend overhaul, RIP to contribute beyond the RRSP, strategic corporate investments and overhaul of disability protection.
Two 50/50 co-founders of a small distribution company, 12 years together, $3,2 million company. No agreement, no cross-insurance. A cancer diagnosis forced the conversation.
Emergency coordination with their lawyer: purchase-sale agreement, formal appraisal, cross-corporate life insurance, review of wills and protection mandates.
Sole proprietor, $4,1M manufacturing business, 56 years old. Two children in the business but not ready for another 8-10 years. Wanted to prepare for his exit.
Estate freeze, family trust, personal capitalization independent of sale, 8-year development plan for children.
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
Yes, and it's even essential to our approach. We believe that a good financial advisor doesn't replace your accountant or tax specialist—they coordinate them. In most cases, we become the central point of contact, facilitating communication between your professionals.
We are, first and foremost, financial strategists. Insurance is one tool among many—powerful in some contexts (purchase agreement, corporate life insurance as an investment, key person insurance), unnecessary in others. We only recommend a product if it solves a problem you genuinely have.
We don't have a formal minimum. However, we do have a philosophy: we take the time to do things right. In practical terms, our entrepreneurial clients typically generate over $200,000 in annual corporate revenue and view their financial strategy as an investment, not an expense.
A minimum of one full annual review. In practice, 3 to 5 times a year for the majority of our clients — more often during significant events (acquisition, refinancing, family change).
We are compensated through commissions on financial products (investments, insurance) and, for certain complex mandates, through planning fees. Everything is always clearly disclosed from the first meeting.
Let's talk about your business — and what you want to do with it
An initial, free, and no-obligation conversation to see if our approach aligns with your needs. You'll leave with a clear understanding, even if you decide not to proceed further.