Fee-Only Wealth Planning for Business Owners

As a business owner, your personal financial goals are tied to the success of your business. We create financial plans that support both your business growth and your personal wealth.

Why Choose Us?

We simplify financial planning for business owners, making it easier to make confident decisions about your finances—so you can focus on what you do best: running your business. We avoid unnecessary complexity, as it often leads to higher fees and confusion.

What we offer

Corporate Wealth Planning for Personal and Business Needs

Retirement, Savings, and Education Planning

  • Strategies for retirement and other key financial goals
  • Cash flow management, budget planning, and investment recommendations
  • Structuring savings for children’s education or future generations

Estate and Legacy Planning

  • Comprehensive legacy planning to pass on wealth according to your wishes
  • Tax-efficient asset drawdown strategies to reduce estate taxes
  • Planning for the transfer of family businesses or assets (this may involve coaching and internal work)
  • Advice on downsizing, long-term care, and other important life decisions
  • Insurance review (life, disability, critical illness)
  • Investment property and family cottage planning

Corporate Investment Optimization

  • Tailored strategies to maximize your business’s investment potential and long-term growth
  • Assistance with deciding the right time to incorporate and whether focusing on registered accounts before incorporation is best
  • Visual comparisons using Conquest software to show the impact of various strategies on your financial future

Income and Tax Strategies

  • Personalized income strategies to minimize taxes and maximize earnings
  • Retirement asset drawdown planning, considering government benefits (CPP & OAS), corporate assets, and personal accounts like TFSA, LIRA, pensions, and RRIFs
  • Optimization of cash flow and tax efficiency both now and in retirement

Corporate Life Insurance and Legacy Planning

Whats included?

  • Assessment of whether corporately owned life insurance is the most effective strategy or if other tax and investment opportunities are better
  • Second opinions on whole life policies, comparing them with other options like investing inside the corporation or in personal registered accounts (FHSA, TFSA, RRSP)
  • Legacy planning strategies to align with your financial and personal objectives

What does our process look like?

Our two-step process meets you where you are today, and supports you as you move towards your future goals and objectives.

Step #1: Initial Wealth Planning

Most fee-only financial plans are built after one or two meetings, focused primarily on numbers, projections, and assumptions.

We believe meaningful financial change happens when strategy, behaviour, and understanding are developed together. That requires time, reflection, and collaboration.

Our planning process unfolds over six to eight weeks and includes six to eight structured meetings, held in person or virtually. These sessions allow us to:

  • Understand your goals, values, and lived experiences with money

  • Explore the emotional and behavioural patterns that influence decision-making

  • Provide ongoing financial education so recommendations are understood, not just received

  • Co-create a plan that reflects both your financial reality and your capacity for follow-through

Rather than delivering a plan and hoping it fits, we build it with you step by step, so it is practical, integrated, and sustainable.

Step #2: Ongoing Wealth Consultations

Financial planning is not a one-time event. A plan is only useful if it is acted on and adapted over time.

Research from behavioural finance shows the greatest value of advice comes from ongoing guidance, implementation support, and accountability—not just delivering a plan. Money behaviours are deeply ingrained, emotionally influenced, and often difficult to change without consistent support. Without ongoing support, many good plans never make it past the intention stage.

Most financial outcomes are shaped by small decisions over time, especially during periods of transition or stress. Our role is to help you translate your plan into action, stay accountable to your goals, and adjust your strategy as your life evolves.

This is why we place strong emphasis on ongoing guidance and implementation. 

How much does it cost?

Initial Engagement

From $6,375

financial engagements that include insurance and advanced legacy planning range from $7,200- $12,000

Ongoing Support

Customized based on needs

fee will be based on the complexity of your plan and will be quoted once the initial engagement is complete