Our Strategies

Corporate class mutual funds are a different structure for mutual funds that enhance tax efficiencies for non-registered investments. They are regular mutual funds that have been incorporated, with the same underlying stocks and bonds as their mutual fund counterparts, but with enhanced features that set them apart for corporate investors.

Key Benefits: The investment growth in a corporate class mutual fund is deemed to be a blend of capital gains and dividends, providing both a lower taxation rate on overall growth and the ability to defer taxes to later years. This structure helps minimize annual taxable dividends, allowing your investment to grow without being diminished by annual taxes.

Ideal For: Business owners, especially those utilizing the small business tax rate. Starting in 2019, incorporated business owners may see a reduction in income eligible for the small business rate when passive investment income exceeds $50,000 annually. Corporate class funds can help reduce this taxable income due to their low dividend payout policy and capital gains dividends that are only 50% taxable.

Collateralized lending uses a valuable corporate asset—specifically, participating whole life insurance—as security for a loan from a third-party lender. This strategy allows you to access capital without triggering a disposition for tax purposes, while the policy's cash value continues to grow tax-deferred.

How It Works: Your corporation pays premiums into a participating life insurance policy, which builds cash value over time. The cash value grows through dividends on a tax-deferred basis, increasing both the cash value and death benefit annually. You can then enter a loan agreement with a lender who grants a "collateral assignment" of the policy, allowing you to access funds while maintaining policy ownership.

Benefits: Loan proceeds are generally not considered taxable income as long as the policy remains in force. You simply pay your corporation 1-2% of the amount borrowed annually. Upon death, the death benefit pays the outstanding loan balance to the lender, and the remaining benefit is paid tax-free to the corporation, creating additional CDA credits.

Shared critical illness coverage provides financial protection for your family when critical illness strikes unexpectedly. Our policies cover a wide range of critical illnesses, including cancer, heart attack, stroke, kidney failure, multiple sclerosis, Parkinson's disease, and major organ transplants.

Key Features: Receive tax-free lump sum payments upon diagnosis of a covered condition, providing immediate financial support with no restrictions on how you use the funds. Our shared coverage extends benefits to spouses and children, providing comprehensive protection for your entire family.

Flexible Options: Choose from customizable benefit amounts, multiple payment options, and various coverage levels that fit your budget. Policies include valuable features such as guaranteed renewable coverage, portable options, and conversion privileges to ensure your protection adapts to your changing needs.

Business succession planning ensures smooth transitions when it's time to pass your business to the next generation or sell to new owners. A well-structured succession plan protects your legacy, ensures business continuity, and minimizes tax implications for both you and your successors.

Key Components: Our comprehensive approach includes identifying and preparing successors, establishing clear transition timelines, implementing buy-sell agreements, and structuring the transfer to optimize tax efficiency. We work with you to develop a plan that aligns with your personal and business goals.

Benefits: Proper succession planning helps preserve business value, ensures family harmony, provides financial security for all parties, and creates a clear roadmap for the future. Whether you're planning to transfer to family members, key employees, or sell to a third party, we'll help you navigate the complexities of business succession.

Charitable giving can be a powerful tool in your financial planning strategy, allowing you to maximize your charitable impact while optimizing tax benefits and estate planning goals. Strategic charitable giving helps you support causes you care about while reducing your tax burden.

Strategies: We help you explore various charitable giving vehicles, including direct donations, donor-advised funds, charitable remainder trusts, and charitable lead trusts. Each option offers different tax advantages and allows you to support your chosen charities in the most effective way.

Benefits: Charitable giving can provide immediate tax deductions, reduce estate taxes, create income streams, and help you leave a lasting legacy. Whether you want to give during your lifetime or through your estate, we'll help you structure your charitable giving to maximize both your impact and your tax benefits.

Legacy planning goes beyond estate planning to create a lasting impact that reflects your values and provides for future generations. It's about ensuring your wealth, values, and vision are preserved and passed on in a meaningful way.

Comprehensive Approach: Our legacy planning process integrates estate planning, tax optimization, charitable giving, and family governance to create a cohesive strategy. We help you define your legacy goals, structure your assets efficiently, and establish mechanisms to ensure your wishes are carried out.

Key Elements: Effective legacy planning includes wills and trusts, tax-efficient wealth transfer strategies, family communication plans, and values-based planning. We work with you to create a comprehensive plan that not only preserves your wealth but also ensures your values and vision continue to guide future generations.