A specialist in corporate insurance, tax, and estate structure for incorporated business owners — working alongside your investment team to make the most of what you've built.
Begin a ConversationProfit moves from the operating company to a holding company, funds a corporate-owned policy, and reaches your estate without a second layer of tax. One structure, four moves.
Whether capital gains tax rises or inflation creeps, the structure holds. It is built for the long run, not for today's rates.
We specialize in the edge-case corporate insurance and estate structures that sit outside a conventional plan — built around specific tax provisions, sized to your situation, and coordinated with your broader financial picture. For incorporated owners, these are the details that compound quietly over the years.
Your corporation can do far more than hold retained earnings. Structured deliberately, it shelters capital from tax, funds the bill your estate will eventually face, and carries wealth to the next generation. We build that structure.
Edge-case structures that create tax-advantaged capital inside your corporation.
Built on the specific provisions most plans never put to work.
We work alongside your portfolio manager, so the investment side fits the wider structure.
Designed so wealth transfers efficiently, privately, and on your terms.
Holdings reinforce each other instead of working at cross-purposes, so more of every dollar stays in motion.
Tax is engineered into every decision — from how income is earned to how it eventually transfers.
Protection is positioned where the structure needs it, without paying for cover you don't.
Wealth passes the way you intend, with privacy and structure built in from the start.
Retained surplus, a corporation taxed at passive rates, and an estate that will be taxed twice without a structure in place.
Read morePhysicians, dentists, lawyers and accountants whose shareholding rules and the split-income rules close off the usual planning options.
Read moreWealth held in private company shares, real estate and corporate surplus, and the question of how it reaches the next generation intact.
Read moreWork permits, provincial nominee programs and permanent residence applications, with term coverage now and corporate planning once a business is incorporated.
Read moreA focused discussion about your capital structure, your goals, and what an integrated approach could look like for you.
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