Build your business and personal wealth with expert advice

Owning and operating a successful company commands a lot of time and attention. Every day, you make critical decisions that affect the financial health of your business. So, you know how important it is to have the best possible services and products to help effectively manage your finances — we can help.

Our business owner solutions can be ideal if you need help:

  • Managing business and personal assets separately but efficiently
  • Investing, preserving and maximizing surplus cash
  • Designing a succession plan for a smooth transition
  • Creating diversified, tax-efficient income with the sale proceeds
  • Protecting against the sudden loss of a key employee using insurance solutions
  • Safeguarding personal and business assets from adverse events
  • Building employee loyalty with employer-sponsored retirement plans

Do you have any questions for us or would you like to arrange a meeting? Fill out this brief form and we will be in touch with you shortly. Required fields are marked with an "*".

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Individual Pension Plans (IPPs)

RRSP contribution limits make it hard for above-average income earns to save tax-efficiently for retirement. An Individual Pension Plan (IPP) can be an effective strategy that helps you maximize your retirement funding and reduce business taxes.

An Individual Pension Plan (IPP) is an employer-sponsored registered pension plan set up for an individual and designed to provide maximum retirement benefits and tax-sheltered contributions. IPPs are ideal for:

  • Business owners, incorporated professionals, or key employees such as senior executives

  • Individuals with T4 income of $141,000 or more

  • Individuals between the ages of 40 and 71

If you would like to learn more about the benefits of IPPs, including enhanced tax-sheltered growth, creditor-protected savings and tax-deductible contributions for your business, Contact us today. Or click here to learn more.

Business owner's guide

Business owner's guide

Contact us for a free copy of The business owner’s guide to wealth management.

Written by leading financial planners and tax experts of RBC, The Business Owner's Guide to Wealth Management 10 Key Decisions for Business Owners has strategies that can help you:

  • Turn a $813,600 capital gains tax exemption into a $3,254,000-million tax exemption

  • Convert the equity in your business into an enhanced retirement benefit for you and a big tax deduction for your business

  • Protect your business from adverse events like divorce or disability

Learn more about these, and other wealth management strategies designed specifically for business owners.

Group savings plans

A Group Savings Plan, including group RRSPs, is an ideal way to help business owners build and retain a healthy workforce. To ensure you get the expertise you need, we work with the Group Financial Services team, which currently administers over 4,000 group savings plans that provide benefits for more than 150,000 employees.

RBC Group Advantage plans are differentiated by high employee engagement, face-to-face local advice, no-cost solutions and choice in service. Your plan members select the RBC service partner that is right for their portfolio and investment style.

  • RBC Dominion Securities: For members with higher asset levels who require access to a sophisticated range of investments.

  • RBC Royal Bank: Ideal for individuals who are beginning to build savings or who are interested in mutual funds, GICs and savings deposits.

  • RBC Direct Investing: For members who want a wide choice of investment options without advice.