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Your company is probably your largest asset, your largest tax exposure, and your family's largest dependency - all at once. The same four foundations that protect a household protect a business. We help you apply them where it counts.
Most business owners get excellent guidance on how to grow the company - and almost none on what the company should be doing for them. The result is a business that works, but doesn't protect.
Your business should fund your life, not just itself.
Incorporation changes how money reaches you - salary, dividends, bonuses, retained earnings. Each choice has a tax and wealth consequence that compounds for decades. We help you build a pay strategy on purpose instead of by accident.
The question it answersDoes my business pay me by design, or by default?
The business is only as strong as its key people.
Key person coverage, properly funded buy-sell agreements, business loan insurance, and overhead and income protection. The goal is simple: if a partner, owner, or key operator can't show up tomorrow, the business, the bank, and the families behind it all stay standing.
The question it answersIf you or your partner disappeared tomorrow, what happens to the business?
Retained earnings should work, not wait.
Money trapped in the corporation is often the most neglected money an owner has. We look at putting corporate capital to work, building personal wealth alongside corporate wealth, and getting ready for a future sale or family transfer - with clear ownership records and a named successor.
The question it answersIs the money trapped in your company working, or just waiting?
The biggest tax bill you'll ever face is the one on your exit.
Corporate-owned life insurance, the capital dividend account, and long-horizon strategies for the sale or transfer of the company. Structure built years in advance is worth more than any repair attempted at the deadline.
The question it answersAm I paying tax by design, or by default?
These are strategy conversations, not product pitches.
Corporate insurance strategies are precision tools - not tax shortcuts. We work alongside your accountant, never around them.
Wealthy business owners aren't smarter than everyone else - they completed the cycle more times. Cash flow funds protection, protection preserves wealth, wealth is structured to minimize tax, and the tax savings flow back into cash flow. The same Circle of Wealth you saw on the 4F page runs at business scale.
Select a segment to read it on the 4F page
The 4F data sheet, extended to your business: ownership, debts, key people, retained earnings, exit horizon.
The four fundamentals applied to your numbers, in plain language.
Anything we recommend is reviewed with your accountant and lawyer before implementation. You'll never be sold. You'll be shown the map.
Your accountant looks backward - filings, compliance, what happened last year. We look forward - structure, protection, and what the next decade should look like. The two roles are complementary, and we work directly with your accountant on anything structural.
No. A one-person corporation faces the same four gaps: how you pay yourself, what happens if you can't work, where retained earnings sit, and what the final tax bill looks like. Small size makes this more important, not less.
No. The mechanics - adjusted cost basis, the capital dividend account, tax-free death benefit treatment - are written into the Income Tax Act and have been used in Canadian strategies for decades. It is a precision tool, not a shortcut, and it belongs in a strategy your accountant has seen.
Before the sale, before the partnership, before the tax bill. Structure built in advance beats repair done under pressure.
Strategies discussed on this page are general education, not tax or legal guidance. Outcomes depend on individual circumstances. Consult your accountant and lawyer before implementing any strategy.
