Many of our clients appreciate having a reliable advisor who can help simplify complex financial choices, as well as coordinate with the other professionals supporting the family and business (accountant, lawyer, banker, key people in the business structure).
It is common for individuals to reach out for a second opinion when they are considering a financial decision, or overall change of advisor. We are happy to meet with you to see if there is a good fit to work together. If we jointly find there is, we will provide transition support from your current professional. If there is not, we will assist you in finding the right advisor to match your service needs.
Physicians
As a health care professional, you face business challenges that other entrepreneurs do not. Caring for patients and staying current with medical advancements leaves little time to focus on the financial aspects of the business, or your present and future wealth management needs.
The complexity of your wealth-related decisions also tends to grow with your practice. We will help you establish, and stay on track with, strategies that suit your busy lifestyle and unique circumstances.
Incorporated professionals
As an incorporated professional, your financial life is often more complex than that of a traditional employee.
Managing your corporation, balancing personal and business income, optimizing compensation through salary or dividends, and planning for tax efficiency all require careful coordination. You may also have corporate investments, retirement savings, insurance needs, and succession considerations that add to the complexity.
Business owners and entrepreneurs
From startup, to restructuring, to sale, we work with business owners and entrepreneurs across a range of industries to create and protect value in their businesses. And we will help you use that value to maintain your lifestyle now and into retirement, making sure the business you’ve worked so hard to build, keeps working for you.
Executives
As you’ve moved up the corporate ladder, the complexity of your finances and tax filings has likely increased in correlation. Your income may now include holdings in various pension plans, short- and long-term stock incentives through your equity plan, group savings and taxable benefits.
We specialize in tackling complexity to provide a clear path to a comfortable retirement and attain your other financial goals. Our team, backed by regional and head office experts, can show you the way.
Many of the individuals and families we work with come to us during moments when their financial lives are becoming more complex and thoughtful planning can make a meaningful difference. Below are some milestones where our clients have found value in working with our team.
Incorporating a professional practice or business
We help evaluate how corporate structures may influence tax planning, investment strategy, income planning, and long-term wealth accumulation so that the decisions made today support future flexibility.
Managing income growth and increasing financial complexity
As careers progress and income grows, financial decisions often become more layered. Multiple accounts, investment decisions, tax considerations, and competing financial priorities can make it difficult to see the full picture.
We help bring structure and clarity to these decisions so that your financial strategy evolves alongside your career and family life.
Investing corporate or excess cash flow
Many incorporated professionals accumulate earnings that are not immediately required for business operations or income needs.
We work with clients to develop strategies for investing excess corporate capital while considering tax efficiency, long term growth, and future income needs.
Preparing for retirement or financial independence
For many successful professionals, retirement planning is less about stopping work and more about creating the flexibility to decide how you want to spend your time. We work towards the freedom to choose!
We help you evaluate when financial independence may be achievable and how to structure your assets and cash flow from various income sources to support the lifestyle you visualize.
Coordinating with accountants and legal advisors
Complex financial lives often involve multiple professional relationships.
Our team regularly collaborates with your accountants, lawyers, and other advisors. This is to ensure that tax planning, estate considerations, investment strategy, and corporate decisions stay aligned.
Protecting family wealth and planning for the next generation
As wealth grows, many families begin thinking about how their financial resources and decisions made today can support future generations.
We help you review and explore available estate planning strategies, your insurance needs, and facilitate discussions with your family and business partners. Additionally, we look at your philanthropic giving wishes and if setting up a ‘strategic giving account’ would benefit your plan now and into the future.
Your legacy will reflect your values and long-term intentions with a coordinated plan in place. Many clients have shared how this has created such peace of mind.
Navigating major life transitions
Significant life moments often bring new financial considerations.
This may include selling a business, receiving a large bonus or liquidity event, welcoming children, supporting aging parents, or preparing for a major career change.
Our role is to support you while you navigate these transitions with a clear, well-structured plan.