Your business creates value. Your financial strategy should too.
Saad & Alarie helps incorporated business owners and high-income professionals manage, protect and transfer wealth.
Behind wealth and protection decisions are very real risks that are often underestimated.
A strategy built around you, not a product.
We start by understanding where capital sits, what it needs to accomplish and what risks could derail the plan.
Wealth management
Coordinate corporate capital, personal investments, retirement and long-term goals.
Life insurance
Structure protection around your family, business and estate.
Succession planning
Prepare continuity, liquidity and transfer of value.
Tax-efficient strategies
Reduce tax friction through coordinated planning with your professionals.
See the whole picture before choosing the solution.
For an entrepreneur, personal and corporate decisions constantly overlap.
Guides for incorporated business owners.
Structured answers to the questions that appear as a company accumulates capital and personal wealth becomes more complex.
Corporate life insurance
Corporate ownership, liquidity, succession and the capital dividend account.
Surplus corporate cash
What to consider when capital accumulates inside your company.
Business succession
Prepare value, liquidity and the exit before it becomes urgent.
Business-owner wealth
Coordinate the business, personal investments, retirement and protection.
Strategy matters when financial decisions start overlapping.
You do not need to have a “problem.” Often, the right time to structure things is simply when the business, personal wealth and next steps become more complex.
Cash is accumulating inside the corporation
Capital is building in the Opco or Holdco and the question becomes less “where do we invest?” and more “how do we coordinate tax, liquidity, retirement and protection?”
The business depends heavily on a few people
Partners, executives or key people can create a major liquidity risk. That leads to questions around continuity, agreements, funding and existing protection.
A sale or transfer is getting closer
Five or ten years goes quickly. Business value, personal liquidity, tax considerations and succession intentions are better aligned well before a transaction.
Wealth has become fragmented
The business, personal investments, real estate, debt, insurance and retirement can evolve separately. The challenge is getting them to work in the same direction.
Six questions to see where your structure may deserve a second look.
Corporate cash, wealth, shareholders, protection, retirement and succession — without starting with a product.
Protection & wealth assessment
Answer questions about your situation, business or profession, assets and protection. Get a more structured estimate of the needs worth discussing.
Assessment overview
Illustrative example — your result depends on your answers.
Your brokers. Backed by a team.
Gabriel Saad and Vincent Alarie are the two brokers behind Saad & Alarie and remain the primary points of contact for each relationship. Around them, the Groupe financier Invico environment brings together a team of roughly ten people who can contribute, when needed, with support, coordination and complementary expertise.
Meet the team around usSaad & Alarie leads the client relationship. Within Invico, we can draw on a broader team to move files forward in a structured way without unnecessarily multiplying points of contact.
Based in La Prairie. Built for Greater Montreal business owners.
We prefer face-to-face meetings while offering virtual appointments. We serve La Prairie, Brossard, Candiac, Saint-Constant, Longueuil, Montreal and the North Shore.
See meeting optionsQuestions worth addressing before they become urgent.
Short guides on situations we see with business owners and professionals.
Cash is accumulating in your corporation: where do you start?
The first questions to ask when corporate cash begins to exceed operating needs.
Corporate life insurance: 7 questions to ask before looking at a product
Start with the need, ownership, liquidity and succession before comparing illustrations.
Selling your business in 5 to 10 years: what should you prepare now?
An exit is prepared before an offer arrives: value, dependencies, personal liquidity and succession.
Could your situation benefit from a second look?
Start with the assessment or meet with us. We can quickly see whether there are areas worth examining more closely.