Financial Planning for Business Owners

As a business owner, your personal financial goals are tied to the success of your business. We create financial plans that support both your business growth and your personal wealth.

Why Choose Us?

We simplify financial planning for business owners, making it easier to make confident decisions about your finances—so you can focus on what you do best: running your business. We avoid unnecessary complexity, as it often leads to higher fees and confusion.

What we offer

Corporate Financial Planning for Personal and Business Needs

Retirement, Savings, and Education Planning

  • Strategies for retirement and other key financial goals
  • Cash flow management, budget planning, and investment recommendations
  • Structuring savings for children’s education or future generations

Estate and Legacy Planning

  • Comprehensive legacy planning to pass on wealth according to your wishes
  • Tax-efficient asset drawdown strategies to reduce estate taxes
  • Planning for the transfer of family businesses or assets (this may involve coaching and internal work)
  • Advice on downsizing, long-term care, and other important life decisions
  • Insurance review (life, disability, critical illness)
  • Investment property and family cottage planning

Corporate Investment Optimization

  • Tailored strategies to maximize your business’s investment potential and long-term growth
  • Assistance with deciding the right time to incorporate and whether focusing on registered accounts before incorporation is best
  • Visual comparisons using Conquest software to show the impact of various strategies on your financial future

Income and Tax Strategies

  • Personalized income strategies to minimize taxes and maximize earnings
  • Retirement asset drawdown planning, considering government benefits (CPP & OAS), corporate assets, and personal accounts like TFSA, LIRA, pensions, and RRIFs
  • Optimization of cash flow and tax efficiency both now and in retirement

Corporate Life Insurance and Legacy Planning

Whats included?

  • Assessment of whether corporately owned life insurance is the most effective strategy or if other tax and investment opportunities are better
  • Second opinions on whole life policies, comparing them with other options like investing inside the corporation or in personal registered accounts (FHSA, TFSA, RRSP)
  • Legacy planning strategies to align with your financial and personal objectives

What does our process look like?

Our two-step process meets you where you are today, and supports you as you move towards your future goals and objectives.

Step #1: Initial Financial Planning

We start with a comprehensive assessment of your goals, values, and financial principles. Over four to eight weeks, we hold six meetings (in person or virtual) to understand your needs and create a fully tailored financial plan. We take the time to get to know you, providing ongoing financial education to ensure you can make informed decisions.

Step #2: Ongoing Financial Consultations

As life evolves, so should your financial plan. Our ongoing support includes regular consultations, review meetings, and adjustments to keep your plan aligned with your changing goals and circumstances.

Success is built on strong support and teamwork. We offer accountability, coaching, and expert guidance to help you navigate life’s transitions, stay on track, and make confident financial decisions, ensuring your plan always reflects your long-term objectives.

How much does it cost?

Initial Engagement

From $5500.00
and up

Ongoing Support

Starting at $300 per month

annual range: $3,600 to $20,000
depending on complexity and services required

Investment Admin & Planning Fee (Optional)

$500 per year for assets under $500,000

$1,000 per year for assets between $500,000 and $1,000,000

$2,000 per year for assets over $1,000,000

What's included?

This fee applies only if investment management services are required. It covers:

  • Consistent monitoring of your investment portfolio
  • Data aggregation software (if using different investment managers or companies)
  • Administration of accounts
  • Portfolio reporting and analysis, including regular performance updates and adjustments