Retirement Planning Service
Determining your income sources and their impact on cash flow through your retired years — ensuring they cover expenses and leisure while managing asset risk.
What we do
Tax strategy leads. Everything else is built around it.
Most firms treat tax as an afterthought to investing. We invert that. The structure of your corporation and your real estate is the foundation — and the rest of your plan is engineered on top of it.
Corporate Tax Structuring
For business owners and incorporated professionals, the corporation is the single most powerful planning tool you have — and the one most often left underused.
- Holding company design — separate operating risk from accumulated wealth and create room to invest.
- Family trusts & income splitting — distribute income tax-efficiently within the rules.
- Lifetime capital gains exemption — position the business for an eventual, tax-advantaged sale.
- Compensation strategy — the salary-versus-dividend question, answered for your numbers.
- Corporate investment accounts — manage passive income and protect the small-business rate.
Corporate structure diagram
PREC Planning for Realtors
Since 2020, Ontario realtors can earn commissions through a Personal Real Estate Corporation. Done right, it changes everything about how you build wealth.
- Incorporation decision — a clear, numbers-first answer to whether a PREC is right for you.
- Tax deferral — keep more of each commission working inside the corporation.
- Retained-earnings investing — turn lumpy commission income into a steady portfolio.
- Income smoothing — draw a consistent personal income across strong and lean years.
- Long-term wealth — build the asset base most agents never get around to.
PREC cash-flow model
The full picture
A comprehensive approach to your wealth.
Six integrated areas of planning, kept in step through regular plan-revision timelines.
Investment Planning Service
Carefully selected investments, a rigorous strategy, ongoing portfolio follow-up, and the possibility of tiered, negotiated pricing.
Risk Management Service
Analyzing the types of insurance needed to protect your assets — using tax-efficient strategies, never oversold.
Income Planning Service
Monitoring, analyzing, and optimizing your net income minus expenses. Net cash flow is a vital measure of financial health for anyone.
Estate Planning Service
Preparing for the transfer of wealth from one generation to the next — making sure everything is accounted for and your estate is optimally managed.
Tax Planning Service
Customized strategies to reduce your tax burden as part of your overall plan, coordinated with elite legal and accounting professionals.
How we beginA considered process,
A considered process,
from first call onward.
No pressure, no obligation. Most clients know within the first meeting whether we're the right fit.
- 01
Discovery
A complimentary conversation about your business, your goals, and what's keeping you up at night.
- 02
Analysis
We model your structure and tax position, and identify the opportunities most worth pursuing.
- 03
Strategy
A bespoke plan, presented plainly — with the trade-offs and the reasoning laid out.
- 04
Stewardship
Implementation and ongoing care, with one team that knows your file for the long term.
A standing invitation
Curious what a bespoke plan would look like for you?
Your first consultation is complimentary and entirely without obligation.