You have a corporation.
You should also have a real financial plan.
Most incorporated professionals we talk to are doing well on paper. The corporation is set up, the accountant files every year, the investments are sitting somewhere. But nobody's really looking at the whole picture. Nobody's asking whether the decisions you're making today are building the life you want.
| Who This Is For |
| Incorporated professionals who want to make sense of their financial life, not just their taxes filed. |
The personal side of a complex financial life.
When you're incorporated, your financial life has more moving parts, like more accounts, more decisions, and more people involved, and your family's security can quietly get less attention than it deserves.
We look after the personal side, like your investments outside the corporation, your insurance, your retirement, and your estate plan, and because you pay us directly and we sell nothing, the advice is built around you and nobody else.
We work with incorporated healthcare professionals, lawyers, and consultants and online business owners. Choose yours to see what planning looks like for you.
| The Real Problem |
|
Your accountant is great at their job. But their job isn't the same as ours. |
Your accountant makes sure you're compliant, your filings are accurate, and CRA isn't knocking on your door. That's important work, and a good accountant is worth every dollar.
What they're usually not doing is sitting with you and asking: are you on track? Is your family protected if something happens to you? Are your investments building real wealth, or just sitting somewhere? Do you have a plan for what retirement looks like when you're running a corporation? That's the conversation we have. Throughout the year, not just at tax time.
No real investment strategy outside the corporation. The money sitting in your personal and registered accounts deserves as much attention as what's inside the corp. Most people don't have a clear plan for either.
Insurance that hasn't been looked at in years. Your income is higher now, your family is bigger, your obligations are different. The policy you got in residency probably doesn't reflect your life anymore.
An estate plan that exists on paper but hasn't been thought through. A will is a start. But if something happened to you tomorrow, would your family know what to do, who to call, and how to access everything they need?
No clear picture of what retirement looks like. When you're incorporated, retirement is complicated. How you draw down the corporation, when, and in what order matters a lot. Most people haven't modelled it.
Financial decisions made in isolation. A decision about your corporate draw affects your RRSP room. A home purchase affects your cash flow plan. Everything connects, but nobody's looking at all of it at once.
The conversations most
advisors never have with you.
This is what ongoing financial planning looks like when someone is paying close attention to your life.
Most incorporated professionals have money in several places, an RRSP, a TFSA, some in the corporation, maybe a non-registered account. Each one was opened for a reason, but nobody's ever looked at all of them together and asked whether they're working toward the same goal.
We build a coordinated investment strategy across every account, personal and corporate. We're not here to sell you a product or move your assets somewhere specific. We help you understand what you have, whether it makes sense for where you're going, and what a better structure might look like.
Most incorporated professionals are underinsured relative to their actual income and obligations, or have coverage that made sense when they set it up but hasn't been revisited since. Your income is higher now. Your family depends on you more. The policy you got in residency or early in your career was built for a different version of your life.
We review your disability and life insurance coverage as part of your plan. We're not insurance advisors and we don't sell you a policy, but we can tell you whether what you have is appropriate and connect you with the right people if it isn't.
Most people have a will. Fewer have thought through what happens when it's used. When you're incorporated, your estate is more complex than most, there's the corporation, the personal accounts, potentially insurance policies, and a family that needs to know what to do and who to call.
We work with your estate lawyer to make sure the plan is thought through, not just documented. And we make sure your family has a clear picture of your financial life so they're not figuring it out under pressure during the hardest time of their lives.
When you're incorporated, retirement is more complicated than just saving enough money. You don't have a pension. Your retirement income comes from multiple places, the corporation, registered accounts, CPP, maybe real estate. The order you draw from those sources, and when, makes a real difference in how much of your wealth you keep.
We build a retirement picture specific to your situation. What age do you want to stop working? What does that lifestyle cost? What does the drawdown sequence look like? We model it, we revisit it every year as life changes, and we make sure you know whether you're on track.
Buying a home. Having another child. Buying into a practice. Taking parental leave. Changing employers. Selling. These are the decisions that shape your financial life, and they all have downstream effects that most people don't think through before they make them.
When something big comes up, you have someone to call. We run the numbers, walk through the implications, and help you make a decision you understand, not one you're hoping worked out okay.
Most financial advisors wait for you to call. We don't. We reach out before year-end to review your draw strategy. We flag things that might affect your plan before they become problems. We check in when market conditions change, not just when you're worried about them.
This is what an ongoing planning relationship is supposed to feel like. Not an annual meeting where someone shows you a pie chart and asks if you have any questions. Someone who is paying attention to your life and your money, year after year.
How retained earnings
quietly erode your
small business deduction.
The small business deduction lets your first $500k of active business income be taxed at roughly 11 to 12% combined federal and provincial, instead of the full corporate rate. It's one of the most valuable tax advantages of incorporation.
But passive investment income inside your CCPC can grind it down. Once it's gone, it's gone for that year. The planning strategy isn't to avoid retaining earnings, it's to structure how and where they're invested so passive income stays manageable.
The split that changes every year.
There is no permanent "correct" split. The optimal answer depends on your full financial picture, recalculated annually.
Salary
T4 Employment IncomeDividends
Corporate DistributionThe honest answer: it depends.
Anyone who tells you "always take dividends" or "always take salary" isn't doing the full analysis. The right split depends on your provincial rates, spousal income, RRSP room, CPP goals, and whether an IPP makes sense. We model this every year as part of ongoing planning.
Your situation isn't generic.
Neither is our planning.
Whatever you do, we're here to make sure the personal side of your financial life is taken care of.
Incorporated Healthcare Professionals
Physicians · Dentists · Physiotherapists · Chiropractors · RMTs · BC, AB & ON
Physicians, dentists, and allied health professionals share the same planning shape, which is strong income, a professional corporation, no employer pension, and a family that depends on your ability to work. Between running a practice and seeing patients, there is rarely time to ask whether the corporation, your investments, and your insurance are working together.
What We Cover for Healthcare Professionals
Incorporated Lawyers
Law Professional Corporation · BC, AB & ON
Lawyers understand complex systems better than most. But that doesn't always translate to having a clear personal financial plan. Variable income, a partnership track that changes compensation structures, and the demands of a busy practice all make it easy to defer the planning that matters for your family.
What We Cover for Lawyers
Incorporated Consultants & Online Business Owners
Tech · Digital marketing · Online businesses · BC, AB & ON
If you run your own corporation from a laptop, like a tech consultant, a digital marketer, or an online business owner, your income can swing from month to month and a lot of it can end up sitting in the corporation with no clear plan for it or for how you pay yourself.