Retained earnings of $250,000+
Or surplus income the owner doesn't draw, sitting in taxable corporate investments.
For Accountants
The Insurance and Pension Side of Corporate Planning, Done Alongside You
You see the retained earnings. We help put them to work through pension, insurance and estate-liquidity structures, with you leading the tax side. We never move your clients.
What We Bring
Depth on pensions and insurance for your owner-managed clients
Many of your clients have a strong accountant handling their tax filings but haven't had a dedicated conversation about long-term wealth and retirement planning inside their corporation. We fill that gap and keep you in the loop at every step.
We don't prepare tax returns or give accounting advice, so there's no overlap with your work. When our own clients need an accountant, we refer them to the accountants we work with.
Structures we handle
- Individual Pension PlansCorporate-funded pensions beyond RRSP limits
- Retirement Compensation ArrangementsFor higher-income owners
- Corporate-owned life insuranceSheltered growth, CDA planning, estate liquidity
- Buy-sell and key person fundingFor partners and shareholders
- Split-dollar critical illness, IFA and IRPModelled conservatively, for your review
- Group benefitsCarrier-neutral reviews at renewal
Clients Worth Introducing
Which clients to send our way
Passive income near $50,000
Where the small business deduction grind is starting to become a concern.
Owners 40+ on salary
Who already max out their RRSP and could use more structured retirement saving.
Incorporated professionals
Physicians, dentists and other professional corporations with steady surplus.
Partners without funded buy-sells
Shareholder agreements with no insurance behind them.
Succession and estate planning
Owners thinking about a sale, a freeze or the tax on their shares at death.
How We Work Together
You stay the client's trusted advisor
Introduction
A short call with your client, or with you first if you prefer.
Analysis
We model the options and share the numbers and illustrations with you.
Your review
You confirm the tax treatment and fit before anything is recommended.
Implementation
We handle carriers, actuaries and paperwork, and keep you updated.
Our commitment to you
You lead the tax side, and we never move your clients. We add depth on insurance and pension planning, and we bring you into every recommendation.
Common Questions
Questions accountants ask us
No. We don't prepare returns or give accounting or tax advice. We model insurance and pension options and share them with you, and you confirm the tax treatment.
Only in the way you prefer. Some accountants introduce us on a joint call; others want to see the analysis first. You set the pace.
With your client's consent, usually recent financial statements, the owner's salary and dividend history, and any existing policies or plans. For an IPP, the actuary also needs the T4 history.
Burlington, Oakville, Mississauga and Hamilton, and clients across Ontario by video. We meet at your office, your client's office, or online.
This information is general in nature and is not tax, legal, accounting, insurance or investment advice. It is based on current Canadian tax legislation, which can change. Any strategy should be designed and reviewed with your accountant and legal advisors based on your circumstances.
Let's Talk
Coffee or a 20-minute call?
I'd like to learn how you work with your clients and see whether there's a fit. — Goran Lacic