Bringing clarity and confidence to the complex financial lives of incorporated professionals

Our Approach: Coach, Not Quarterback

We don't manage your money or make decisions for you. Instead, we teach you the game, help you understand your options, and support you in making informed decisions that align with your goals and values.

You remain in control. We provide the clarity and framework to make confident decisions.

Core Services

1. Cash Flow Planning

Removing the emotional stress from money decisions

  • Personal and corporate cash flow analysis

  • Debt optimization strategies (when to pay down vs. invest)

  • Monthly and annual budgeting frameworks

  • Emergency fund planning for both personal and corporate needs

2. Account Structure Planning

Creating a clear map of your financial life

  • Bank account optimization (how many accounts, which types, where)

  • Investment account setup (corporate vs. personal, registered vs. non-registered)

  • Account naming and purpose assignment to reduce confusion

  • Integration with existing banking relationships

Why this matters: Proper account structure prevents money from sitting idle and ensures every dollar has a purpose.

3. Corporate Structure Optimization

Making your incorporation work harder for you

  • Compensation planning (salary vs. dividend optimization)

  • Corporate investment strategies for excess cash

  • Tax installment planning and management

  • Integration with trust structures when appropriate

Note: We work closely with your accountant and don't file tax returns - we provide advisory guidance on tax planning strategies.

4. Investment Policy Development

Knowing what game you're playing so you can follow the rules

  • Goal-based investment framework aligned with your timeline

  • Risk tolerance assessment that goes beyond questionnaires

  • Asset allocation recommendations based on your specific situation

  • Investment platform selection and setup guidance

Important: We don't manage investments directly. We help you understand your options and implement through low-cost, efficient platforms.

Ready for Clarity?

Let's have a conversation about how we can help you create an insurance strategy that makes sense for you and your family.

5. Goal-Based Financial Modeling

Seeing the path from where you are to where you want to be

  • Retirement planning across personal and corporate assets

  • Education funding strategies (RESPs and beyond)

  • Major purchase planning (real estate, practice expansion, etc.)

  • Legacy and wealth transfer planning

9. Insurance and Risk Management

Comprehensive protection planning

  • What We Handle Directly:

  • Personal and corporate life insurance needs analysis and implementation

  • Disability insurance for incorporated professionals

  • Critical illness coverage evaluation

  • What We Advise On:

  • Professional liability insurance reviews

  • Property and casualty optimization

Note: We don't handle health benefits administration.

6. Registered Account Optimization

Maximizing tax-advantaged savings

  • RRSP contribution strategies for incorporated professionals

  • TFSA optimization and coordination with corporate investing

  • RESP planning for children's education

  • Spousal planning and income splitting opportunities

7. Tax Installment Management

Taking the stress out of quarterly payments

  • Payment timing optimization using the credit system

  • Cash flow coordination with corporate and personal needs

  • Penalty avoidance strategies

  • Integration with overall tax planning

8. Estate Planning Coordination

Protecting your family and legacy

  • Will and estate planning guidance (coordinated with your lawyer)

  • Beneficiary designations on all accounts and policies

  • Corporate succession planning basics

  • Family trust considerations when appropriate

Note: We provide guidance and coordination but don't draft legal documents.