Bringing The Financial Clarity That Lets Corporation Owners in Ontario Sleep At Night
Success often leads to corporate ownership - and a hidden cost we call the "Stress Premium."
It's what you pay in delayed decisions, missed opportunities, and sleepless nights when financial complexity overwhelms clarity. It's the cost of tax surprises, suboptimal planning, and the mental bandwidth consumed by uncertainty.
We eliminate this premium not just with strategies, but by standing beside you as your dedicated thinking partner. Together, we transform the unique challenges faced by Ontario corporation owners into clear, actionable paths that work for both your corporation and your family.
What We Do
Still Water Financial Partners brings clarity to the complex financial lives of Ontario corporation owners. Whether you own a professional corporation, operating company, holding company, or any other corporate structure, we transform the challenges of balancing corporate and personal finances into clear, actionable strategies that build both business and personal wealth.
Financial Planning
We create and maintain comprehensive financial plans that integrate both your corporate and personal financial lives:
Corporate structure optimization and tax-efficient compensation planning
Strategic cash flow management between corporate and personal accounts
Tax planning across corporate and personal entities
Retirement planning through corporate and personal vehicles
Risk management and insurance structuring for business and family protection
Estate and succession planning for your business and personal legacy
Fractional Family Office Management
For select families requiring comprehensive financial oversight, we provide dedicated family office services on a fractional basis:
Weekly dedicated time (4-8 hours) for your family's financial affairs
Complete coordination across all professional relationships
Proactive strategy development and implementation support
Comprehensive reporting and family meeting facilitation
Unlimited access for questions and strategic discussions
Integration of all financial, tax, estate, and business planning
Limited to 3-5 families to ensure exceptional service delivery
Your Financial Thinking Partner
We serve as your dedicated financial strategist, helping you navigate both corporate and personal financial decisions:
Semi-annual strategy reviews for corporate and personal planning
Coordination with your existing professional team (accountant, lawyer, etc.)
Proactive identification of planning opportunities
Clear guidance for major financial decisions
Ongoing support for both business and personal financial questions
Investment Management (Optional)
We offer sophisticated yet straightforward investment solutions that align with both corporate and personal goals:
Tax-efficient portfolio design across corporate and personal accounts
Low-cost, transparent investment solutions
Strategic asset location between corporate and personal accounts
Clear performance reporting and regular portfolio oversight
Cash flow optimization between business and personal needs
Your Thinking Partner
We're here to address the questions that keep you up at night.
When should I incorporate?
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Why do I feel financially stressed despite high income?
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Am I optimizing my taxes?
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How do I protect what I'm building?
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Should I Pay down my debt or invest?
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Should I buy or lease my car?
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How do I know who to trust with investments?
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Am I optimizing salary vs dividends?
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How do I plan for corporate succession?
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Should I have a holding corporation?
When should I incorporate? • Why do I feel financially stressed despite high income? • Am I optimizing my taxes? • How do I protect what I'm building? • Should I Pay down my debt or invest? • Should I buy or lease my car? • How do I know who to trust with investments? • Am I optimizing salary vs dividends? • How do I plan for corporate succession? • Should I have a holding corporation?
Who We Serve
Operating Corporation Owners
You own and operate a business through a corporation, managing both operational and personal financial complexity. You might be:
A medical practice owner with a professional corporation
A construction company owner managing seasonal cash flows
A restaurant owner operating through a business corporation
A consultant who incorporated their practice
A law firm partner with ownership stakes
Family and Corporate Income: $250K-600K+
Your Key Challenges:
Optimizing salary vs. dividend mix for your situation
Managing corporate cash accumulation and deployment
Balancing business reinvestment with personal wealth building
Coordinating corporate and personal tax planning
Planning for business growth while building personal security
Understanding when corporate investment makes sense vs. personal investment
Holding Company Owners
You've established holding companies or investment corporations to optimize taxes and manage wealth. You might be:
A high-earning employee with a personal holding company
A professional with both operating and investment corporations
A family managing wealth through corporate structures
An entrepreneur with multiple corporate entities
A business owner using a holdco for tax planning
Family and Corporate Income: $300K-1M+
Your Key Challenges:
Maximizing tax efficiency across multiple corporate entities
Coordinating investment strategies between holdco and personal accounts
Managing inter-corporate transactions and dividends
Understanding passive income rules and their implications
Planning for optimal fund extraction timing
Coordinating estate planning across corporate structures
Complex Corporate Structures
You operate through multiple corporations or sophisticated structures requiring advanced planning coordination. You might be:
A professional with operating companies and holding companies
A family business owner with multiple generations involved
An entrepreneur with various corporate investments
A business owner planning complex succession strategies
A corporation owner with international elements
Family and Corporate Income: $500K-1M++
Your Key Challenges:
Coordinating tax planning across multiple corporate entities
Managing complex inter-corporate relationships and transactions
Planning multi-generational wealth transfer through corporate structures
Optimizing overall family tax efficiency across all entities
Coordinating business succession with personal estate planning
Managing corporate governance and family dynamics