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Green Mountain Financial Services Inc.

GMFSI Business Owner Planning Roadmap

Instructions: Complete the business profile, liquidity analysis, continuity needs, succession planning and action items, then select Print / Save PDF.

Green Mountain Financial Services Inc.

Business Owner Planning Roadmap

A coordinated approach to corporate liquidity, investable surplus, business-continuity protection, owner wealth, succession and professional planning.

GMFSI Business Owner Planning

Prepared for

Business / Corporation

Owner / Shareholder

Prepared by

Madhu Shukla, CFP®, EPC

Founder & Principal Advisor

Prepared date

—

1

Business & Owner Objectives

Clarify the business priorities, owner goals, planning horizon and intended use of corporate resources.

🏢

Business Stability

Maintain sufficient liquidity, manage risk and support ongoing business operations.

📈

Owner Wealth

Coordinate corporate and personal wealth accumulation without losing sight of business needs.

🔄

Succession & Exit

Prepare the business, owner and family for an eventual transition or exit.

The Business Owner Planning Journey

A disciplined process for protecting current operations, using surplus capital strategically and preparing for future ownership transition.

1

Protect Liquidity

Maintain operating, tax and contingency reserves.

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2

Address Protection Gaps

Review debt, guarantees, key people and shareholder obligations.

›
3

Invest True Surplus

Invest only funds not needed for foreseeable business obligations.

›
4

Coordinate Owner Wealth

Align corporate, personal, retirement and estate resources.

›
5

Plan Succession

Prepare ownership, management, funding and documentation.

›
6

Review Annually

Update cash, risk, investments, owner goals and exit timing.

2

Corporate Liquidity & Investable Surplus

Estimate the portion of corporate cash that may be genuinely available for long-term investment.

Corporate Surplus Snapshot

Cash available less operating, tax, debt, capital and contingency reserves.

Cash Available $250,000 Cash and near-cash entered
Total Reserved / Committed $200,000 Operating, tax, debt, capital and contingency
Estimated Investable Surplus $50,000 Illustrative amount only
Surplus as % of Cash 20% Based on entered values
The current figures indicate that approximately $50,000 may be available for long-term corporate investment.
3

Corporate Wealth Strategy

Establish how genuine long-term surplus may be invested while maintaining appropriate business liquidity.

4

Business-Continuity Protection Gap

Estimate potential continuity obligations and compare them with existing business-owned protection.

Business-Continuity Protection Snapshot

Potential obligations less existing business-owned protection.

Total Continuity Need $0 Key person, debt, buy-sell and other obligations
Existing Business Protection $0 Life, disability and other protection entered
Potential Protection Gap $0 Illustrative amount only
Coverage Ratio 100% Existing protection ÷ need
No business-continuity obligations have been entered.
5

Risk Management & Insurance Review

Review the main business risks requiring mitigation, insurance or professional coordination.

Risk Area Current Status Priority Planning Consideration
Key-Person Risk
Shareholder / Buy-Sell Funding
Business Debt / Guarantees
Disability / Overhead Expense
Group Benefits / Employee Retention
6

Owner Wealth Coordination

Coordinate corporate resources with the owner’s personal wealth, retirement and estate objectives.

🏢

Corporate Assets

Operating cash, investable surplus, corporate investments and business value.

👤

Personal Assets

TFSA, RRSP, non-registered savings, real estate and personal insurance.

🏖️

Retirement Resources

Corporate withdrawals, pensions, registered assets and future business-sale proceeds.

🌲

Estate & Legacy

Share value, insurance, beneficiaries, family objectives and tax planning.

7

Succession & Exit Planning

Clarify the intended transition path, timing, readiness and funding considerations.

8

Tax & Professional Coordination

Identify planning issues requiring advice or confirmation from the owner’s accountant, lawyer and other professionals.

✓ Review corporate structure and use of operating or holding companies.
✓ Coordinate salary, dividends and owner cash-flow requirements.
✓ Review taxation of corporate investment income and passive assets.
✓ Confirm tax implications before corporate insurance or investment implementation.
✓ Review shareholder, partnership and buy-sell agreements.
✓ Review wills, powers of attorney and estate objectives.
✓ Coordinate succession, valuation and transaction planning.
✓ Document which professional is responsible for each action item.
9

Planning Priorities

Organize business-owner planning actions into immediate, near-term and longer-term priorities.

Immediate Priorities

Confirm corporate reserve needs and address any business-continuity protection gap.

Near-Term Priorities

Finalize suitable investment, insurance and professional recommendations.

Longer-Term Priorities

Coordinate owner retirement, succession, business value and estate planning.

10

Implementation Roadmap

Move from analysis to coordinated implementation and ongoing review.

Confirm Liquidity Validate operating, tax, debt, capital and contingency reserves.
Address Protection Gaps Review key-person, debt, disability and shareholder needs.
Invest Genuine Surplus Complete KYC, suitability and corporate investment implementation.
Coordinate Owner Wealth Align corporate resources with personal and retirement planning.
Advance Succession Document exit path, valuation, agreements and professional actions.
Annual Review Update cash, protection, investments, owner goals and transition timing.
11

Annual Business Owner Review

Keep the strategy aligned with changing corporate and personal circumstances.

✓ Review corporate cash, reserves and investable surplus.
✓ Review business debt, guarantees and continuity risks.
✓ Review corporate investment performance and suitability.
✓ Review owner retirement and personal wealth objectives.
✓ Review succession timing, business value and agreements.
✓ Coordinate tax, legal and accounting follow-up.
12

Today’s Meeting Outcomes

Record the decisions, confirmations and follow-up items arising from the discussion.

13

Discussion Summary

Record important questions, decisions, assumptions, responsibilities and agreed follow-up actions.

Important: This roadmap is intended as a discussion and planning document. The corporate-surplus and business-continuity calculations are illustrative and are based solely on the values entered. They do not automatically account for tax liabilities, working-capital variability, payroll, seasonality, lender covenants, investment risk, legal agreements, underwriting, corporate structure or professional advice. This roadmap is not a tax or legal opinion, business valuation, insurance contract, guarantee of investment performance or substitute for formal KYC, suitability, accounting, legal, tax, insurance or product documentation.

Madhu Shukla, CFP®, EPC

Founder & Principal Advisor

Green Mountain Financial Services Inc.

PROTECT • GROW • PRESERVE

Guiding Your Financial Journey with Trust & Clarity

15-Minute Clarity Session

905-921-9962

mshukla@gmfsi.ca

gmfsi.ca

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