You have dedicated 10 years to mastering your profession. Your finances deserve the same rigor.
Doctors, dentists, lawyers, engineers, notaries: incorporation has given you powerful tools—but you still need to know how to orchestrate them. We tailor your financial strategy to match the expertise you've built.
What we coordinate for you
Something we often hear in a first meeting
I followed the default advice, but nobody ever gave me a real plan.
You incorporated because it was recommended to you. You contribute to your RRSP because that's what everyone does. You have insurance because a salesperson sold it to you eight years ago. None of this is bad—but none of it was planned together, with you in mind.
Default adviceI have neither the time nor the inclination to learn about corporate taxation.
You're excellent at what you do. Your days are full. Understanding CDCs, IMRTDs, $50,000 passive income, and splitting strategies isn't what excites you—and it shouldn't have to be. What you want is someone you trust to delegate this workload to.
Delegation requiredI earn a good living, but I don't feel like I'm rich.
Income is high, and so are expenses. Mortgage, children, a lifestyle that matches professional status. And despite all that, the real question—at what age can I stop working without compromising my career?—has never received a clear answer.
Income vs. wealthMy retirement plan is to continue working.
Without an employer pension plan, your company is your pension fund. But no one has shown you how to structure it so that it pays you a comfortable retirement of 25-30 years — and what happens to any surplus, if there is one left.
Unplanned retirementA strategy designed for busy professionals
You delegate because you don't have the time, not because you're not intelligent. We work accordingly: clear decisions, documented recommendations, coordinated execution.
Optimization of the corporate structure
Analysis of your professional company and, if necessary, creation of a management company or a family trust to multiply tax levers: income splitting (within the limits of the RIR rules), passive income management, corporate investments, intergenerational accumulation.
Compensation and Disbursement Strategy
How much do you pay in salary, how much in dividends, how much do you leave in the company, how much do you invest? investments personal — every dollar is positioned to minimize the total tax over your lifetime, not just the current year.
Retirement of incorporated professional
Your company becomes a retirement machine. Structured corporate investments for the long term, RIP when appropriate, withdrawal strategy coordinated with your QPP and personal investments (RRSP, TFSA), and a tax strategy for the assets that will remain in the company upon your death.
Income and family protection
Disability is your greatest financial risk—far more so than death. We review your coverage (individual disability, business overheads, critical illness, life insurance) within the context of your company, not as isolated products. For professionals with group plans (AMQ, ACDQ, etc.), we integrate these coverages into the overall strategy.
Coordinated investments: corporate, personal, family
Corporate portfolio, RRSP, TFSAFHSA, RESP, unregistered : conceived as a single ecosystem. Each type of account is used for what it does best, with a clear view of the disbursement over 30-40 years.
How we work together
Introductory meeting — free of charge, no obligation
We respect your time. A structured meeting that already gives you clarity, even if you decide not to go any further.
Integrated Financial Portrait
We analyze your company, your insurance policies, your investments, and your tax planning as a system. We identify what's missing, what's redundant, and what could be used much more effectively.
Strategic plan in plain language
Specific, prioritized, and explained recommendations. You can make informed decisions without having to become a corporate tax expert.
Coordination with your other professionals
We work directly with your accountant and, if necessary, your tax advisor, lawyer, and notary. You no longer have to juggle multiple departments.
Annual review and continuous monitoring
One formal meeting per year, with points of contact during the year at major events — purchase of clinic, association, arrival of a child, acquisition of practice.
Concrete results for real professionals
Dentist and business owner, 43 years old, corporate income of $340,000. Maximized his RRSP with a high salary, accumulated cash without a strategy. No integrated strategic plan.
Salary-dividend overhaul, corporate portfolio below the $50,000 threshold of passive income, creation of a management company to protect accumulated assets.
A 52-year-old radiologist with a high income and no formal plan. Question: "Can I retire at 60 without compromising my retirement?" Identified shortfall: $1,2 million.
35-year projection, 3 disbursement scenarios, remuneration restructuring, acceleration of corporate contributions, portfolio repositioning.
Partner lawyer, 48 years old, high income. One advisor for investments, another for insurance. Poorly structured corporate whole life insurance policy that was eating up cash without an exit plan.
Analysis of the existing policy, consolidation under a single strategy, integrated disbursement plan combining investments and surrender value, tax coordination over 20 years.
The results presented are examples based on typical situations. Each case is unique and results may vary depending on your personal circumstances.
Answers for professionals
The majority of our new business clients were already working with an advisor. What they were looking for wasn't better returns—they were looking for an integrated vision. A single strategist who sees corporate, personal, protection, retirement, and family as a whole.
A good accountant does an exceptional job on compliance and annual optimization. But long-term strategy—how to compensate you over 20 years, when to retire, how to withdraw your assets in the right order, what to do with any surplus in your company—that's not their role. That's ours, and we work hand in hand with them.
Yes. Incorporation is a powerful tool, but not for everyone. In some cases (lower income, significant personal needs, particular family situation), remaining unincorporated is the right decision. We are conducting this analysis honestly and without bias.
Probably not. Maximizing your registered accounts is a good foundation, but for an incorporated professional, the most powerful strategies are played out within the company: passive income management, corporate investments, income splitting, CDCs, and management structures. That's where we deliver the most value.
Approximately 6-8 hours in the first year (initial consultation, financial assessment, plan presentation, implementation). After that, 2-3 hours per year for the annual review. We optimize both your time and your tax situation.
Your profession deserves a strategy that matches its stature.
An initial conversation, free of charge and without obligation, to see what a truly integrated approach could change for you.