ESTATE PLANNING /
INTERGENERATIONAL WEALTH TRANSFERS
“Super-TFSA” / Tax-Sheltered Investment* – For corporations with excess funds, we identify and implement life insurance that grows tax-free and the funds can be utilized by the business owner or passed on much more tax-efficiently upon death.
Streamlined Wealth Transfers** – For individuals intending to leave personally held, non-registered funds as an inheritance, we identify and manage a specialized type of investment with numerous advantages, including a discreet, much faster wealth / inheritance transfer.
“Super-TFSA” / Tax-Sheltered Investment*
PRESERVE BUSINESS VALUE
Key Person Refundable Investment* – For business owners integral to the business, we identify and implement critical illness insurance whereby the cost of the insurance may be recouped and with potential tax savings.
ENSURING CONTINUITY FOR BUSINESSES
Buy-Sell Funding* – For corporations with more than one shareholder, we implement life insurance to cost-effectively buy out a deceased shareholder’s shares pursuant to a Shareholders’ Agreement.
RETIREMENT ACCELERATOR
Retirement-Booster Strategy** – For highly compensated business owners, we arrange a CRA-endorsed structure that saves considerable corporate tax and produces more accumulated funds for retirement. We help select and manage the investments inside the structure.
INVESTMENT SERVICES
On occasion (usually upon a monetization event such as the sale of their business), a client expresses the need for a new investment professional or firm. We do not hold any traditional (IIROC or MFDA) investment licenses and do not provide that type of investment advice. For interested clients, we would be happy to make an introduction to reputable investment professionals or firms we are familiar with. However, we are licensed in our practice to offer segregated fund investments and annuities.
*Life Insurance and Critical Illness – Based Strategies
** Insurance-Based Investments
