Your Insurance Partner.
Insurance as a Building Block, Not a Burden
For corporation owners, insurance should strengthen your financial foundation, not add complexity.
We help Ontario corporation owners secure the right Life, Disability, and Critical Illness coverage - aligned with your corporate and personal strategy, whether you operate through a professional corporation, holding company or operating business.
A Clear Approach to Insurance Planning
At Still Water Financial Partners, we believe insurance planning should align with your broader financial strategy. No rushed decisions. No product pressure. Just thoughtful solutions that make sense for your corporate structure and personal needs.
Our Difference
Your Thinking Partner in Protection Planning
Before discussing any solutions, we engage as your thinking partner to understand your complete picture—your values, your family dynamics, your corporate structure, and your long-term vision. This collaborative approach often reveals protection opportunities and risks that traditional insurance discussions miss. By examining how insurance fits within your integrated corporate and personal financial landscape—whether through professional corporations, holding companies, or operating entities—we develop strategies that align with your broader financial narrative, not just isolated protection needs.
We Actually Read the Contracts
Insurance contracts are complex, but details matter. We review every contract thoroughly — whether it’s Life, Disability, or Critical Illness coverage —comparing options across providers to find the best fit. This extra care ensures you understand exactly what you're getting and why it makes sense.
We Think Beyond the Policy
Insurance isn't just about coverage - it's about how it fits into your larger financial picture:
Corporate vs. personal ownership structure (operating company, holdco, or personal)
Tax-efficient premium payments through your corporation
Integration with your corporate succession and estate plan
Coordination with your existing coverage across all entities
Long-term flexibility as your corporate structure evolves
Our Process
Listen First
We start by understanding what matters to you. What are you trying to protect? What are your concerns? What opportunities do you see?
Analyze Thoroughly
We review your current situation, identify opportunities, and analyze different solutions. No rushing, no pressure - just careful consideration of what makes sense for you.
Explain Clearly
We break down complex concepts into clear, actionable recommendations. You'll understand not just what we suggest, but why we suggest it.
Implement Carefully
Once you're comfortable with the strategy, we handle the details of implementation, coordinating with your other advisors to ensure everything works together seamlessly.
Common Questions We Address
"Should insurance be owned by my operating company or holding company?"
"What's the most tax-efficient way to protect my family through corporate structures?"
"How do I know if my current coverage is optimized for my corporate situation?"
"Should my insurance strategy change as my corporate structure evolves?"
"How does insurance fit with my corporate succession plan?"
Ready for Clarity?
Let's have a conversation about how we can help you create an insurance strategy that makes sense for your corporate structure, your family, and your long-term goals.
