Financial Planning for
Incorporated Professionals
Your business is the engine of your wealth.
Let’s build the plan around it.
No Playbook? Let’s Build One.
Incorporating is a big step, and if you’re the first in your family to do it, nobody handed you a guide.
Should you pay yourself salary or dividends?
What happens to the money building up in the company?
Do you need a holding company?
Your accountant, your banker and the internet each hold a piece of the answer.
We put the pieces together into one plan that connects your corporation, your personal finances and your family’s goals.
Who This Is For
Incorporated professionals with a professional corporation
Business owners building retained earnings inside a Canadian-controlled private corporation (CCPC)
Recent incorporators still working out how to pay themselves
Owners weighing a holding company and whether the cost and complexity are worth it
Not incorporated yet? Our Personal Roadmap may be a better fit.
The Questions We Help You Answer
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Salary and dividends affect your taxes, your RRSP room and your cash flow. We model the options against your goals, so the answer fits your plan and not a rule of thumb.
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Retained earnings can build quickly. We help you decide what stays for working capital, what gets invested and how to invest it tax-efficiently.
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Sometimes. A holdco can help separate surplus from business risk, but it adds cost and complexity. We work out whether it’s worth it for you, alongside your accountant and lawyer.
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Passive income inside a corporation is taxed differently and, above certain levels, can reduce access to the small business tax rate. The rules change, so we plan around your current numbers.
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Your shareholder agreement, insurance and estate documents should work together. We review all three as one picture.
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RRSP, TFSA and FHSA decisions look different when you own a company. We coordinate them.
The Corporate Strategist
Strategy built around your corporation and your family. We work alongside your existing team of professionals, not in place of them
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12-month active partnership
Unified Roadmap: A 20+ year map combining corporate and personal assets to stress-test big financial moves.
Owner-Pay & Surplus Strategy: A plan for your salary vs. dividend mix and for growing retained earnings tax-efficiently.
Risk & Continuity Review: A review of how your shareholder agreement, corporate insurance and estate documents work together. Legal drafting is done by your lawyer.
Tax & Legal Coordination: Direct coordination with your accountant and lawyer so your plan and structure stay aligned.
Legacy Framework: A plan for transitioning corporate wealth and coordinating your estate planning.
*Starting rate applies to standard corporate planning. Final fees scale with the complexity of your corporate and family situation and are confirmed in writing before any commitment.
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Optional ongoing engagement following your initial 12-month blueprint.
Year-End Owner-Pay Reviews: An annual salary vs. dividend review ahead of your corporate fiscal year-end.
Surplus Oversight: Ongoing review of how your retained earnings are allocated and invested as capital builds.
Annual Stress-Testing: Yearly model updates for corporate tax changes, revenue shifts and major goals.
Advisory Sounding Board: On-demand CFP® access for major business, real estate or investment decisions.
Tax Team Coordination: Ongoing coordination with your CPA and legal team so decisions stay aligned.
*Effective rate of $250/mo when paid annually ($3,000/yr). Flexible monthly billing available at $275/mo. Fees scale with additional complexity.
Financial planning has no asset minimum. Questions about how pricing works? Visit our FAQ.
How It Works
Discovery Session. We review your corporate structure, tax position and owner-pay goals to see if we’re a good fit.
Blueprint Development. We analyze your financials, model owner-pay and surplus strategies, and draft your plan, then check key assumptions with you before moving forward.
Plan Presentation. We walk you through your Corporate Blueprint and the next steps across owner pay, surplus investing and shareholder protection.
Plan Execution. We implement the strategies you approve in coordination with your legal and accounting teams.
Ongoing Partnership. Annual realignments and structural adjustments as tax laws, business milestones and your goals change, through our retainer.
Ready to Build the Plan Around Your Corporation?
Let’s start with a conversation.
No pressure, no jargon, just a clear path forward.