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Green Mountain Financial Services Inc.

Professional & High Networth Individuals #1

For Professional Corporations (PCs), Partners, Executives & Entrepreneurs

Professionals & High-Net-Worth Individuals

PC-aware, tax-efficient strategies to build, protect, and transfer wealth—coordinated with your accountant and lawyer.

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Protect income, partners, and legacy with coordinated corporate & personal coverage.
Grow with disciplined, tax-aware investing and HoldCo/OpCo cash management.
Transfer wealth efficiently via trusts, corporate estate planning & philanthropy.

Professional Corporations (PCs) & Owners

Plan around OpCo/HoldCo cash flow, compensation, and exits.
Salary vs DividendCorporate CashSuccession
  • Comp mix analysis (RRSP/IPP/RCA awareness) & insurance funding
  • Retained-earnings deployment: liquidity buckets & investment policy
  • Buy-sell planning, valuation alignment & beneficiary coordination
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Comprehensive Wealth & Estate Planning

Coordinate goals, structures, and beneficiaries.
Estate & SuccessionCharitable GivingCross-Border Aware
  • Estate map, will/POA review & beneficiary alignment
  • Trust/estate planning coordination (with your lawyer)
  • Gifting strategies & charitable foundations
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Tax-Efficient Investment Strategies

Personal, corporate, and registered account mix.
Asset LocationRisk-ManagedFee-Transparent
  • Tax-aware portfolio design & rebalancing
  • Asset location across RRSP/TFSA/corporate accounts
  • Liquidity planning for large purchases & philanthropy
Investment Strategy Tool Discuss Portfolio

Advanced Insurance Solutions

Long-term protection & tax-sheltered value.
Whole Life / ULCI & DICorporate-Owned
  • Permanent life (participating WL/UL) for estate goals
  • Critical illness & disability for practice and income protection
  • Corporate-owned policies, key person & buy-sell funding
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Retirement & Income Planning

Tax-smart withdrawals & pensions.
IPP/RCA AwareDecumulationLongevity
  • RRSP/RRIF/TFSA & corporate decumulation strategies
  • Pension options (IPP/RCA awareness) with advisor coordination
  • Long-term care and survivor income considerations
Retirement Planner Review My Income Plan

General information only—not legal/tax advice. We coordinate with your accountant and lawyer to tailor an appropriate plan.

Case Studies (anonymized)

Two-Physician Professional Corporation
IllustrativeOntario

Profile

  • Age 44 & 46, combined compensation ~$780k/yr
  • PC retained earnings ~$1.2M; saving ~$180k/yr in corp
  • Goals: income protection, estate equalization, disciplined surplus-cash strategy
Tax bands sample: corp 12.2% (SBD) / 26.5% (general). Modeled horizon: 15 years.

Approach

  • Comp mix blend (salary + dividends); RRSP for spouse, IPP review for older physician
  • Corp-owned Participating WL: $1.0M each; DI to $15k/mo; CI $250k each
  • Cash buckets: 6-mo operating float; laddered T-bills; balanced corporate mandate

Modeled Results

  • +$430k projected after-tax estate value vs. baseline (WL CSV + death benefits net of tax)
  • $30–40k/yr targetable PC cash for investments after premiums & draws
  • Income protection to sustain lifestyle & loan covenants

Results depend on underwriting, dividend scales, fees, and portfolio returns.

Law Partnership — Buy-Sell Funding
Illustrative4 Partners

Profile

  • Firm valuation ~$6.0M; partners late 30s–50s
  • Unequal ownership (30/30/25/15), personal debt on two partners
  • Goal: fund cross-purchase on death/CI; keep capital accounts intact
Coverage horizon 10–15 yrs; premiums shown as ranges (CAD).

Approach

  • Cross-purchase Term Life: ~$1.5M per partner; CI riders $250k where affordable
  • Premium equalization via partnership expense allocation
  • Review & restate buy-sell provisions; beneficiary and ownership mapping

Modeled Results

  • $12–16k/yr total premiums (firm-wide), scalable per age/health
  • Full liquidity for surviving partners; avoids emergency borrowing
  • Faster settlement due to pre-agreed valuation & funding
Notes & Assumptions
Premiums depend on age, smoking status, carrier, and riders. Entity-purchase variant reviewed; cross-purchase chosen for stepped-up ACB benefits to surviving partners.

Figures are illustrative and not promises of future performance. We’ll model your specifics and align with your accountant and lawyer.

Who We Work With

Physicians & Dentists (PCs)
  • PC cash strategy & income protection
  • Estate equalization & charitable strategies
  • Buy-in/out & partner coverage
Lawyers & Partners
  • Capital contributions & partnership insurance
  • Tax-efficient compensation & investing
  • Succession/estate coordination
Executives
  • Supplemental LTD/CI & private options
  • Equity comp diversification & liquidity planning
  • Family trust & intergenerational planning
Entrepreneurs
  • Owner risk management & key-person coverage
  • HoldCo/OpCo cash deployment
  • Exit, legacy & philanthropy planning

How It Works

Step 1

Discovery

Private call to outline goals, structures (PC/HoldCo), and timelines.

Step 2

Design & Coordinate

Side-by-side options; collaborate with your tax/legal team.

Step 3

Implement & Monitor

Documentation, funding, and ongoing reviews.

FAQs

Do you work with my accountant and lawyer?
Yes. For estate structures, corporate planning, and advanced insurance, we coordinate closely with your professional team.
Are these strategies suitable for professional corporations?
Often, yes—design depends on compensation mix, retained earnings, and goals. We review options specific to PCs and owner-managed businesses.
What insurers and platforms do you use?
We access multiple Canadian insurers and investment platforms to provide competitive quotes and diversified solutions.
What does an engagement cost?
Initial consult is complimentary. Compensation varies by product/advice and is fully disclosed before implementation.

Ready to align protection, tax strategy, and legacy?

Request a confidential consult or start with a quick tool.

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Partners & Carriers We Work With

Independent access to multiple leading insurers across Canada.

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