Corporate insurance and estate planning for business-owning families and the offices that serve them.
REQUEST AN INTRODUCTIONPlans built to hold through markets, tax changes and time — alongside the accountants and lawyers you already trust.
OUR APPROACHCompany shares are taxed twice when an owner dies. We take that apart before it reaches the next generation.
SPEAK WITH YANDiscreet, by introduction, and without obligation.
Most of an owner’s net worth is trapped inside the company. We plan the draw across dividends, capital dividends, salary and personal accounts to move it into the family’s hands at the lowest lifetime tax.
READ THE FULL BRIEFCompany shares are taxed twice when an owner dies: once on the shares, then again to extract what’s left. Estate and post-mortem planning is built to take that apart before it reaches the family.
READ THE FULL BRIEFCorporate-owned insurance, used properly, shelters growth inside the company and delivers proceeds out tax-free. Not a product sale. A structure that earns its place in the plan.
READ THE FULL BRIEF
I studied at the University of Toronto with my sights set on law. At 22, I stepped into the financial industry and never left. What kept me here is what drew me to law: getting the details exactly right for the person in front of you.
No one advisor sees every angle, so we don’t pretend to. Every plan is built alongside the family’s accountants, tax specialists and legal counsel, and stays clear on the question every owner eventually asks: what happens to what I’ve built?
A first conversation is private and without obligation: a look at where things stand, and whether there is a gap worth closing.