Business Owners

We understand the challenges that business owners face in starting and growing a company. We provide a range of services designed to meet your specific needs, along with guidance and information that will help you choose suitable solutions for you. From employee group benefits and pension plans to corporate estate planning, we can help you to develop strategies that create opportunities for yourself and the business.

Our services for businesses include:

  1. Group Medical & Dental Plans
  2. Income Replacement Programs (Long Term Disability Benefits)
  3. Investment Planning (Pension Plans & Group RRSPs)*
  4. Critical Illness, Creditor & Key Person Life Insurance
  5. Shareholder Agreement Strategies (Buy-Sell Agreements)
  6. Corporate Tax Planning, Corporate Estate Planning & Generational Asset Transfer

Group Medical & Dental Plans

Well-designed and cost-effective group benefit plans are an asset to any business.  We will tailor a plan that attracts, rewards and retains quality employees. Whatever the size of your company, you can provide them with benefits that meet their needs – and yours.  Through cost containment and workplace seminars that educate employees on how to effectively utilize their program, we help to create long-term stability for all stakeholders.

Investment Planning

(Pension Plans & Group RRSPs)

Remember what they say about the best-laid plans? Life can take unexpected turns, and an adaptable financial plan means you can go with the flow. Employers today want to make sure that the employee and employer contributions invested in their group RRSP or defined contribution pension plan are being invested in a manner that meets with the employees’ objective. Our on-site, one-on-one consultation with employees addresses their retirement targets and ensures that their financial strategy is in line with their risk tolerance. We will help to create a robust financial plan for your employees that can be modified according to their current and future position.

Shareholder Agreement Strategies

(Key Person & Buy-Sell)

Every business has people that are integral in keeping things running smoothly.  Proper coverage helps cover income loss or replacement costs if a key person suffers a critical illness. Owners need to protect themselves as well. A Buy-Sell Agreement can provide for a suitable transfer of ownership to chosen successors in the case of death, career-ending illness or retirement.  By creating a complete business continuation plan, you ensure your business’s continuation and that your family receives full value for it.

Corporate Tax, Estate Planning & Generational Asset Transfer

You’ve worked hard for what you’ve built, not only for your benefit but for others as well.

Unfortunately, incomplete estate planning often results in unnecessary tax payable upon death.

We can help you plan to ensure a smooth transfer of wealth, with minimum taxes and delays, to maximize the benefit you leave to your loved ones and charities.