Start-up
- Managing business cash flow
- Protect my income and family’s well-being
- Exposure to liability claims
- When to incorporate
- Term life, disability and critical illness insurance
From startup, to restructuring, to sale, we work with business owners and entrepreneurs across a range of industries to create and protect value in their businesses. And we will help you use that value to maintain your lifestyle now and into retirement, making sure the business you’ve worked so hard to build, keeps working for you.
We assist business owners in many key areas, as outlined below.
Navigating each stage of your business lifecycle
What are the right decisions that need to be taken at the right time and with the right partner(s) to ensure long term success for the business, the owners and shareholders.
Growth and expansion
- Shareholder/partnership
agreement - Buy-sell funding, life and disability
- Group health, dental and drug plans
- Business overhead insurance
- Key person insurance
Maturity
- Appropriate use of holding companies and trusts
- Tax efficient allocation of investments
- Individual Pension Plans (IPPs)
- Permanent (cash value) life insurance
Succession or transition
- Advice on structuring sale
- Tax efficient investing and draw down strategies
- Life annuities
- Permanent insurance
- Charitable giving strategies
Case study
A successful business owner about to retire, but are they considering the full family picture?
How we can help
✓ Business transition options
✓ Estate planning for blended families
✓ Vacation property succession planning