Grow wealth tax-smart.
Pass it on whole.
We work with Ontario families and business owners at the stage where the money questions get harder: how wealth should grow, how to protect it, and what happens when it changes hands. Those three answers depend on each other, so we build them as one plan.
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 answer changes the other two, so we plan them together.
A portfolio can lose a large share of its value in the year it changes hands.
Capital gains, probate, and the debts an estate has to clear all come due in cash, usually at the moment when selling assets is worst. Insurance pays that bill instead.
More growth left to compound
Assets inside an exempt policy grow without annual tax on the policy's internal gains.
More of it reaches your beneficiaries
Death benefits are generally paid tax-free to named beneficiaries, and can pass outside the estate and probate.
Cash when the bill arrives
The payout lands when the estate needs it, so nothing has to be sold in a hurry to cover final taxes.
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.
- $5M
- Succession and estate liquidity structured
- $120K
- Projected annual tax drag removed
- 95%
- Of estate value protected
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.
Shared with the family's permission. Identifying details changed.
We handle the heavy lifting
Estate planning, tax strategy, and wealth preservation take real work: projections to build, documents to align, and a small crowd of professionals to keep pointed at the same outcome. We do that part.
We brief your accountant, coordinate with your lawyer, sync with your investment advisor, and manage the insurers through underwriting. Where a seat at the table is empty, we fill it. Years of this work have built a network we trust, from tax specialists to estate lawyers and planners, and we make the introduction when you need it.
Your part: one conversation, and decisions you make with a clear head.
Come as you are
Some clients come to us with a corporation, a portfolio, and a succession question. Others come with a new baby and no coverage at all. You do not need to arrive with your file in order, and the first conversation costs nothing.
How we work
Three steps, in this order, every time. What comes out of them is built from your numbers, so no two plans look alike.
1Map 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.
2Design the structure
A written recommendation showing the strategy, its tax treatment, and what it costs. It arrives in layers: a plain-language summary, the full workings, and the illustrations, so you can go as deep as you want. Take any of it to anyone you trust.
3Implement and stay close
We run the whole file: we place the coverage across the right insurers, handle underwriting, and introduce any professional still missing from your table, from our own bench and our network. Then we review the plan as tax rules, family, and business change.
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 runs thirty minutes and costs nothing, with no obligation after it. Bring your questions, and leave with a clearer sense of where you stand.