Services

Five disciplines. One coherent structure.

Each engagement draws on the areas below — not as stand-alone services, but as parts of a single plan built around your corporation, your estate, and what you intend to pass on.

Capital Structure

A holding structure designed to do more than hold.

Retained earnings inside your corporation can shelter capital, fund insurance, and move wealth across generations — but only if the structure is deliberate. We map your corporate and personal balance sheet together, then build the architecture around what you actually own.

  • Corporate and personal balance-sheet mapping
  • Holding-company and operating-company structure design
  • Cash-flow and retained-earnings planning
  • Debt positioning and liquidity coordination
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Tax Strategy

Less leakage at every layer of the structure.

Tax decisions compound quietly — in how income is earned, where it sits, and how it moves between entities or generations. We identify the provisions most incorporated owners never put to work, and plan around them across your lifetime, not just the current filing year. Strategies are implemented in coordination with your tax advisor.

  • Corporate vs. personal remuneration strategy
  • Income splitting and salary vs. dividend planning
  • Capital gains and capital dividend account planning
  • Tax-efficient asset location across entities
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Risk & Insurance

Insurance sized to the obligations in your plan.

Corporate-owned insurance can do more than protect against loss — structured correctly, it funds buy-sell obligations, covers key-person risk, and creates tax-advantaged capital inside the corporation. We design coverage around the real liabilities in your structure, and remove what you are paying for unnecessarily.

  • Corporate-owned life and disability insurance
  • Key-person and buy-sell agreement funding
  • Critical-illness and income-replacement planning
  • Coverage audits that eliminate over-insurance
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Real Estate

Real property, placed inside the broader plan.

A property acquisition or disposition affects your tax position, your liquidity, and your estate — whether or not those connections are planned for. We analyze real estate decisions within your capital structure and provide licensed execution so the transaction fits the plan.

  • Acquisition analysis and purchase structuring
  • Mortgage and financing strategy
  • First-time buyer program coordination
  • Licensed transaction execution (BC)
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Legacy & Estate Planning

Wealth transferred on your terms, not the estate's.

The bill your estate will eventually face is predictable. So is how much of it can be funded through the corporate structure you already have. We coordinate the estate freeze, the capital dividend account, and the insurance that funds the transfer — so what you have built reaches the next generation intact.

  • Estate freeze and corporate succession structuring
  • Capital dividend account planning and timing
  • Insurance-funded estate-tax liability coverage
  • Intergenerational wealth and business transfer
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Start with a strategy session

A focused conversation about your capital structure, goals, and what an integrated approach could look like for you.

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