OUR CLIENTS


Our clients are driven business owners and professionals who are committed to getting the most out of their personal and professional lives. They value family, creating strong relationships, adventure, and making a difference. They make decisions based on facts and appreciate exceptional service. They require a tailored financial plan to facilitate their extraordinary lives.

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As a business owner a lot of time is spent thinking and planning for your business. You have employees, customers, and clients, as well as your family to think about. All of the stakeholders depend on you. In the beginning, the majority of your retained earnings are invested back into your business until you reach the tipping point. When this occurs there is excess cash in the corporation each year and you want to diversify your risk and grow this money safely.

 

The issue: We typically see business owners with low risk fixed income investments inside their companies. Inside a corporation you cannot invest in an RRSP or TFSA so the growth on these investments is exposed to tax as high as 50.17% annually. The tax erosion on your wealth over time is significant.

 

Together we look at strategies to grow your wealth tax efficiently and protect you, your business, and your family. By implementing creative strategies inside your corporation we allow you to grow your money tax free, access your money on a tax advantaged basis, and pass on what you don’t need to your family, charity, or community on a tax advantaged basis as well.

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Our firm has worked closely with lawyers for over 10 years. We serve approximately 150 lawyer families in the GTA, we have clients at each of the 7 sister firms, and our process allows us to gain an intimate understanding of what is important to you. Over the years we have helped several Associates, Partners, and Incorporated Partners with their strategic financial planning.

 

As you can tell by your pay statement, your wealth is eroded every year by tax. The cumulative effect of this erosion can be significant over time. Our goal is to move a portion of your investments from a taxable environment to a non-taxable environment above and beyond your RRSP and TFSA account limits. The planning we do will tax optimize your strategy. This move can have a significant impact on your retirement and your legacy.

 

Generally our lawyer clients like to mitigate risk. For this reason we often see low risk fixed income investments inside their personal investment accounts or inside their corporate investment accounts. The growth on fixed income investments in a non-registered plan are exposed to tax rates as high as 53.53% annually in Ontario. If you are incorporated the tax erosion is still 50.17% on the growth. As you can see the tax erosion on your wealth over time is significant.

 

We implement strategies for incorporated and unincorporated lawyers that allow you to grow your money tax free, access your money on a tax advantaged basis, and pass on what you don’t need to your family, charity, or community on a tax advantaged basis as well.

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Our firm has had a close relationship with the medical community for over 9 years. Working with over 100 medical professionals we are committed to providing advice tailored to your changing needs. You have spent a lot of time and energy on your education and now you want your money to work for you. Incorporating is a great deferral strategy, however, the growth on fixed income investments inside your corporate investment accounts are exposed to a 50.17% tax rate. This tax erosion on your wealth is significant.

 

We implement strategies for medical professionals that will allow you to grow your money tax free, access your money on a tax advantaged basis, and pass on what you don’t need to your family, charity, or community on a tax advantaged basis as well.

 

If you have an established practice we look to tax optimize your planning and reduce the tax erosion on your wealth. Looking at your financial plan holistically we are able to find opportunities that reduce your taxes payable. This can enhance your return without additional risk.

 

If you are just starting out or are growing your business we partner with you every step of the way. First, we help you select the right disability insurance to protect your income. Once you are earning a good income we discuss a plan to eliminate debt, grow your wealth tax efficiently, and advise when you should incorporate. As an incorporated business owner we now look at more advanced strategies (outside your RRSP and TFSA limits) to help you reach your goals. In retirement we advise how to access your wealth optimally and create a retirement plan to illustrate what income you can pay yourself based on the amount of money you have saved.

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As a financial professional you understand the markets and how to invest your money for yourself as well as for your clients. Typically you have a general understanding of advanced insurance strategies but would like to work with an expert in this area. Working together we explore the tax laws around insurance and how to use this asset class to compliment your current portfolio.

 

An ideal candidate for our strategies is able to max out their RRSP and TFSA limits annually and is looking for alternative tax shelters. As you know, your non-registered investments are exposed to tax erosion. Depending on your situation this strategy provides enhanced after tax returns with reduced risk and can eliminate your traditional insurance expense.

 

The solutions we discuss are not correlated with the stock market, providing valuable diversification into an alternative asset class.

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