What we do
We plan wealth, estates, and business transitions for Ontario families and owners. Our specialty inside that work is insurance: a tax-advantaged asset class and one of the cleanest ways to move wealth between generations. That is why the practice centres on tax-efficient asset management and estate planning.
Tax-efficient asset management
Once registered room is used, most investment income faces annual tax drag, and inside a corporation it also erodes the small business deduction. Insurance-based structures are among the few places left where assets can compound sheltered from both: growth untaxed year to year, a tax-free payout at the end, and for corporate owners a clean route out of the company.
- Growth sheltered from annual tax, personally or inside the corporation
- A long-horizon, low-volatility complement to conventional fixed income
- Corporate surplus put to work outside the passive income grind
- Liquidity you can draw on along the way, without dismantling the strategy
In practice: An incorporated physician, 45, has maxed her RRSP and TFSA while her corporation retains $80,000 a year she will not spend. Redirected into an insurance-based structure the corporation owns, that surplus compounds without annual tax, stays out of the passive income grind, and builds a payout her estate will one day receive tax-free.
Estate planning
An estate plan decides what your life's work becomes. At death, the tax system treats most of what you own as sold: capital gains on the portfolio, the cottage, and private company shares land on one final return, with probate on top, and the bill arrives in cash while the assets sit in property. We design the insurance layer so the bill gets paid and the assets stay whole, working alongside your accountant and lawyer, with CPA and legal perspective on our own team.
- Liquidity to pay final taxes without selling assets
- Equalizing inheritances when a business goes to one child
- Death benefits paid tax-free to named beneficiaries, outside probate
- Charitable giving structured for maximum impact
In practice: A couple holds a $3M portfolio, a $1.2M cottage, and $900K in RRIFs. At the second death, the projected tax and probate bill approaches $1.1M. A joint last-to-die policy in that amount turns a forced sale into a premium the couple budgets for today.
Business succession
A transition touches ownership, family wealth, employees, lenders, and taxes all at once, so we plan it before a sale, retirement, illness, or death forces the timing. Business value is not the same as available cash. The plan finds that gap and fills it before it becomes urgent.
- Funding for buy-sell agreements, so ownership changes hands cleanly
- Key-person coverage for value concentrated in a few people
- Liquidity so the business is never sold to pay the estate's bills
- Agreements and funding coordinated with your accountant and lawyer
In practice: A manufacturer worth $6M is passing to the son who runs it. The shareholders' agreement names the price, a corporately owned policy funds it, the daughter's inheritance is equalized in cash, and the company never borrows a dollar to survive the transition.
Insurance & protection
Underneath every strategy above sits coverage, sized to what your family and business actually carry rather than a rule-of-thumb multiple. We are independent: the recommendation is built first, then placed with whichever insurer fits it best.
- Term life for the years income matters most
- Permanent life for needs that never expire
- Critical illness and disability coverage
- Corporate-owned policies for incorporated owners
In practice: A couple, 38, with two kids, a $600K mortgage, and one main income needs roughly $2M of coverage for twenty years. The honest answer is mostly term, at a cost closer to a phone bill than a car payment, with a permanent layer only where the estate math earns it.
Fair questions
The ones people actually ask in a first call.
No. We are an independent practice with contracts across Canada’s major insurers, including Manulife, Sun Life, and Canada Life. The recommendation is built first; the carrier is chosen to fit it.
Sometimes. It depends on your tax bracket, time horizon, and whether registered room is already used. When it fits, the after-tax comparison against conventional fixed income is strong, and we show you that math before you commit.
The intro call and planning work cost nothing. Like most insurance advisories, we are compensated by the insurer if and when a policy is placed, and we disclose that compensation before you commit.
Possibly. We are specialists, not generalists: our work covers the insurance, tax, and estate structure around your portfolio. Many clients keep their portfolio advisor and use us for this layer.
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.