Grow wealth tax-smart.
Pass it on whole.
We work with Ontario families and business owners at the stage where money questions get harder: how wealth should grow, how it is protected, and how it eventually changes hands. One plan, built so no decision undermines another.
The three problems we solve
How wealth keeps growing once registered room runs out. What your estate keeps when everything transfers. And how a business changes hands without breaking. Each one shapes the other two, so we plan them as one system.
Building wealth is one challenge. Keeping it intact is another.
Taxes, estate obligations, and the need for immediate liquidity can erode even a well-built portfolio, often at the exact moment selling assets is least desirable. Insurance changes that equation.
More growth left to compound
Assets inside an exempt policy grow without annual tax on the policy's internal gains.
More wealth delivered directly
Death benefits are generally paid tax-free to named beneficiaries, and can pass outside the estate and probate.
Liquidity without sacrifice
Capital arrives when it is needed most, covering final taxes and estate obligations without forcing the sale of a business, property, or portfolio.
Where the strategies work hardest
Three situations we meet every week, and what one of them looked like in numbers.
Your registered room is maxed
RRSP and TFSA are full, and every extra dollar of growth is exposed. An exempt policy becomes the next shelter.
Your corporation holds surplus
Passive income above $50,000 a year grinds the small business deduction. Corporate-owned insurance steps out of its reach.
Your estate will owe six figures
Capital gains at death plus Ontario probate, due in cash. We fund the bill in advance, so nothing sells under pressure.
What this looks like in practice
A business-owner family came to us mid-succession. The company was passing to one of their children, the estate held little cash relative to its value, and every year of delay compounded the eventual bill. We structured corporate-owned coverage to fund the transition, equalize the inheritance among siblings, and keep the business intact.
- $5M
- Succession and estate liquidity structured
- $120K
- Projected annual tax drag removed
- 95%
- Of estate value protected
Shared with the family's permission. Identifying details changed.
We handle the heavy lifting
Estate planning, tax strategy, and wealth preservation are genuinely hard work: projections to build, documents to align, and a small crowd of professionals to keep pointed at the same outcome. That work is ours, not yours.
We brief your accountant, coordinate with your lawyer, sync with your investment advisor, and manage the insurers through underwriting. And where a seat at the table is empty, we fill it: years of this work have given us a deep network of professionals we trust, from accountants and tax specialists to estate lawyers and planners, and we make the right introduction at the right time.
Your part stays simple: one conversation, and decisions made with a clear head.
The people across the table
We keep the team small on purpose. An advisor, a CPA, and a lawyer look at the same plan from different angles, so what we recommend holds up.
Leads client strategy across protection, retirement, and long-term wealth decisions for households and business owners.
Brings CPA-led tax insight to contribution strategy, corporate planning, and cash flow, so advice makes sense after tax.
Come as you are
Some clients arrive with a corporation, a portfolio, and a succession question. Others arrive with a new baby and no coverage at all. The door is the same door, and the first conversation costs the same nothing.
However you arrive, the engagement runs the same way
Map your position
One conversation about income, corporate structure, existing coverage, and what you want your money to do over the next decades. We leave with the complete picture; you prepare nothing.
Design the structure
A written recommendation showing the strategy, its tax treatment, and exactly what it costs. It arrives as a full suite: a plain-language summary, the complete workings, and the illustrations, so you go exactly as deep as you want to. Take any of it to anyone you trust.
Implement and stay close
We run the whole file: coverage placed across the right insurers, underwriting handled, and introductions made to any professional still missing from your table, from our own bench and network. Then we review the plan as tax rules, family, and business evolve.
There is no product pitch on day one. The structure comes first, in writing, and nothing moves forward until you have had time to sit with it.
- 20+ yrs
- Combined experience
- 300+
- Households guided
- 97%
- Client retention
Start with one conversation.
The first conversation is thirty minutes, costs nothing, and commits you to nothing. Bring your questions, and leave with a clearer sense of where you stand.