Your business is not your only asset. But it influences all the others.
A business owner’s wealth may sit across the corporation, personal investments, real estate, registered plans and the value of the business. Good strategy connects those pieces instead of managing them separately.
Give each pool of capital a job
Corporate cash, TFSA, RRSP, non-registered accounts and business value differ in tax treatment and liquidity. The overall portfolio should reflect what each asset is meant to accomplish.
Do not confuse business value with spendable retirement capital
A business can be highly valuable while remaining illiquid or difficult to sell quickly. Retirement planning should therefore consider multiple pools of capital and multiple exit scenarios.
Coordinate risk
Concentration in one business, debt, sector exposure or dependence on a key person can raise total risk. Personal and corporate investments can complement rather than duplicate that exposure.
Connect accumulation to transfer
As wealth grows, the questions change: how much should stay liquid, how much can be invested, when should withdrawals begin, how will retirement be funded and how should remaining wealth transfer.
See your situation as a whole.
The Protection & Wealth Assessment helps organize the important pieces before a deeper conversation.
Related guides
Frequently asked questions
It depends on liquidity, personal and corporate tax, horizon, risk and objectives. The comparison should use your real numbers.
No. Registered accounts and corporate capital follow different rules and offer different benefits. They can complement each other in a broader strategy.
Because death, illness or lost income can force assets to be sold or used at the wrong time. Protection helps defend the accumulation and transfer plan.
How we work
We first understand your situation before recommending a solution. When tax, legal or accounting questions require specialized advice, we coordinate with the appropriate professionals.