Professionals & High-Net-Worth Individuals
PC-aware, tax-efficient strategies to build, protect, and transfer wealth—coordinated with your accountant and lawyer.
Professional Corporations (PCs) & Owners
- Comp mix analysis (RRSP/IPP/RCA awareness) & insurance funding
- Retained-earnings deployment: liquidity buckets & investment policy
- Buy-sell planning, valuation alignment & beneficiary coordination
Comprehensive Wealth & Estate Planning
- Estate map, will/POA review & beneficiary alignment
- Trust/estate planning coordination (with your lawyer)
- Gifting strategies & charitable foundations
Tax-Efficient Investment Strategies
- Tax-aware portfolio design & rebalancing
- Asset location across RRSP/TFSA/corporate accounts
- Liquidity planning for large purchases & philanthropy
Advanced Insurance Solutions
- Permanent life (participating WL/UL) for estate goals
- Critical illness & disability for practice and income protection
- Corporate-owned policies, key person & buy-sell funding
Retirement & Income Planning
- RRSP/RRIF/TFSA & corporate decumulation strategies
- Pension options (IPP/RCA awareness) with advisor coordination
- Long-term care and survivor income considerations
General information only—not legal/tax advice. We coordinate with your accountant and lawyer to tailor an appropriate plan.
Case Studies (anonymized)
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
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.
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
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
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
- PC cash strategy & income protection
- Estate equalization & charitable strategies
- Buy-in/out & partner coverage
- Capital contributions & partnership insurance
- Tax-efficient compensation & investing
- Succession/estate coordination
- Supplemental LTD/CI & private options
- Equity comp diversification & liquidity planning
- Family trust & intergenerational planning
- Owner risk management & key-person coverage
- HoldCo/OpCo cash deployment
- Exit, legacy & philanthropy planning
How It Works
Discovery
Private call to outline goals, structures (PC/HoldCo), and timelines.
Design & Coordinate
Side-by-side options; collaborate with your tax/legal team.
Implement & Monitor
Documentation, funding, and ongoing reviews.
FAQs
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Partners & Carriers We Work With
Independent access to multiple leading insurers across Canada.
Visit Assumption Life
Visit Foresters Financial
Visit Humania Assurance
Visit Canada Protection Plan
Visit Industrial Alliance
Visit Sun Life Financial
Visit Desjardins Financial Security
Visit Canada Life
Visit Empire Life
Visit RBC Insurance
Visit Equitable Life of Canada
Visit Manulife Financial
Visit Beneva Insurance
Visit Green Shield Canada
Visit Assumption Life
Visit Foresters Financial
Visit Humania Assurance
Visit Canada Protection Plan
Visit Industrial Alliance
Visit Sun Life Financial
Visit Desjardins Financial Security
Visit Canada Life
Visit Empire Life
Visit RBC Insurance
Visit Equitable Life of Canada
Visit Manulife Financial
Visit Beneva Insurance
Visit Green Shield Canada