Boutique advisory for Canadian incorporated business owners. We draw wealth out of the corporation tax-efficiently, and protect what passes to your family.
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 your hands at the lowest lifetime tax.
Company 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 your family.
Corporate-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.
I studied at the University of Toronto with my sights set on law. At 22, I stepped into the financial industry to see what it was about, and never left. Seven years on, for the better part of a decade, our practice has worked with more than 450 clients, building plans that hold up under real tax law and real life.
No one advisor sees every angle, so we don’t pretend to. We work alongside a trusted network of accountants, tax specialists, and legal professionals, bringing the right expertise to the table so a client’s needs are always fully met. What kept me in this work is the same thing that drew me to law: getting the details exactly right for the person in front of you. The advice stays plain, with no jargon and no product pitch, and the answer clear to the question every owner eventually asks: what happens to what I’ve built, and how do I protect it?
A first conversation is straightforward and without obligation. A look at where things stand, and whether there’s a gap worth closing.