As a business owner, there are many strategies that you can adopt to accumulate wealth, manage risk and ultimately transition into a well-funded retirement. We offer a range of services that address your various tax, estate and financial planning needs. We would be happy to discuss how customized strategies can help you achieve your business goals and enhance your personal wealth.


A corporate tax-exempt insurance policy can provide income protection for survivors, fund buy-sell agreements for key shareholders or principals in your business, and pay capital gains tax on death. Life insurance premiums are generally not tax-deductible, so it may be more cost-effective to purchase life insurance through a corporation. The corporations surplus assets can be invested in the insurance policy, grow on a tax-sheltered basis during your lifetime, provide a supplementary source of retirement income and be paid to your beneficiaries as a tax-free death benefit.

Using a Family Trust to Split Income and Maximize the Capital Gains Exemption 

Using an estate freeze with a family trust, you may be able to split income with your spouse and adult children, transfer some or all of the future growth of the business to the next generation, and multiply the capital gains exemption available to you and your family on the eventual sale of the qualifying shares of your business. With the right estate planning strategies, we can help you turn your individual $750,000 capital gains tax exemption into a $3 million exemption.

Building Employee Loyalty

As a business owner, you know the importance of recruiting, rewarding and retaining competent employees. Employer-sponsored savings and retirement plans are one way that you can build employee loyalty and avoid the expense of losing key employees. 

We can help with enhanced employee benefits, including Group RSPs, Individual Pension Plans (IPPs) and Retirement Compensation Arrangements (RCAs) to provide supplemental pension benefits for key employees.

Surplus Assets 

If you have accumulated surplus assets, there are ways to safeguard these assets. For example, if you do not need them for operating expenses, consider transferring them to a holding company to help protect them from creditors of the operating company. Also, you may wish to consider the pros and cons of having your company contribute to an Individual Pension Plan (IPP), which can help boost your retirement funds in a vehicle that is creditor protected.

Developing a Succession Plan

Whether you intend to sell your business to a third party, transfer it to family members, structure a management buy-out or wind it up, advance planning can help you to create an exit strategy that minimizes your tax liability and provides you with a well-funded retirement. Many business owners underestimate how long it takes to put together a succession plan. Even if you feel that retirement is years away, now is the time to begin thinking about it. We can help you create a successful exit strategy and build a financial plan to help you reach your retirement goals.