What It's Like to Work With Us

Most business owners and physicians we meet are in a similar spot. A good income. A growing business or practice. Investments in a few different places. Some insurance policies they’re not sure about. A will that hasn’t been updated since the kids were young. And a nagging feeling it should all be more organized.

Similar struggles. Different starting points.

Before we talk strategy, we listen. Because the numbers on a spreadsheet only tell part of the story.

Here are some questions people are sitting with when they first reach out:

-> Should I have a holding company?

-> Am I paying more tax than I have to?

-> How do I keep the business in the family?

-> Should I pay myself a salary, dividends, or a mix?

-> How much do I need to save to retire comfortably?

-> What if I get sick or hurt and can't work for 6 months? Or longer?

-> If something happened to me, could my partners or family buy my shares without hurting the company?

-> What happens to my family if I don’t come home one day?

-> Are my key people protected, and will they stay?

-> Does my will reflect my current wishes?

If any of those hit close to home, you're in the right place.

How working together looks

A clear process that respects your time.

Step 1: Intro call (30 minutes)
A simple conversation. No forms to fill out first. We want to understand what’s going on in your world, what matters most, and whether we’re a good fit. The only decision either of us makes is whether a second meeting makes sense.

Step 2: Gather your information
We collect your documents so we can look for gaps and ways to save. Think personal and corporate tax returns, investment statements, insurance policies, benefits details, and pay stubs.

Step 3: Opportunities, goals, and priorities (90 minutes)
We share what we found. Then we ask a lot of questions about your business or practice, your family, your timeline, and what “enough” looks like for you. We aim to listen more than we talk.

Step 4: Your plan
A clear picture of your financial life. Where the gaps are. Where the risks are. What needs to happen first, and what can wait.

You decide the starting point. Short enough to read, and built to use.

Step 5: Strategy and education
Before we recommend anything, we make sure you understand it. Plain language, so you stay in control of every decision. Topics often include:
-> Reducing tax over your lifetime, beyond this year
-> Investing inside or outside of your corporation
-> Protecting your income and your family if something goes wrong
-> Funding buy-sell agreements and covering key person risk
-> Holding insurance inside or outside of your corporation
-> Managing debt and cash flow (personal and corporate)
-> Funding buy-sell agreements and covering key person risk
-> Setting up individual or group benefits/savings plans

You don’t need to be a financial expert. That’s our job.

Step 6: Put it in place
When you’re ready, we put the plan in place. We work with your accountant, lawyer, and banker so everyone is on the same page and nothing slips through the cracks.

Step 7: Review and adjust
Your life changes. Your business changes. Your plan keeps up. We meet regularly and adjust when your life calls for it.

What you can expect from us

-> Honest advice in plain language
-> No pressure to buy anything
-> A small team that knows your full picture, so you never start from scratch
-> Helping Canadian business owners and families since 2002

What we ask of you
-> Be honest about where things stand.
-> Be open to learning. Some of what we share may challenge what you’ve been told.
-> Stick with the plan, especially when markets get rough or decisions feel hard.

The clients who get the most from this treat planning as an ongoing habit.

Ready to see if we’re a good fit?
The first conversation is at our expense and takes 30 minutes. You’ll leave with a clearer picture of where you stand, whether we work together or not.