Business Owners

We specialize in helping shareholders and small business owners as well as incorporated professionals. If you are not already incorporated, we can discuss the tax savings and the potential value for you.

As a shareholder or business owner, you want what any shareholder wants; ROI – a return on your investment. It can come as capital gain, as dividends, as income, or as a mixture; tax-deferred or sheltered compensation, as all sorts of things. But you want to make money with your assets and you also want your assets to be secure, appreciating, liquid and useful in your old age, or you want to convert them into assets that will be secure – or so you hope.

We have the expertise to assist you to develop plans to ensure the continuation of your business and the entrenchment of your core business value. At our initial meeting it was mentioned that we have developed strategies to deal with the ensuing business disruption in the event an owner or a shareholder suffers from death, disability, or dispute, or if an owner or shareholder simply wants to capitalize on their ownership equity either before or at retirement. We refer to these as monetization strategies.

We have also developed some extremely unique and proprietary concepts that business owners and shareholders can utilize to enhance their future retirement nest eggs. These include:

• Enhanced Retirement Compensation Arrangements (RCA) strategies than can provide an owner with significant advantages versus a traditional RCA arrangement. Contact us to find out more.
• Individual Pension Plans (IPP) that can enable you to tax-shelter much more than an RSP and has numerous additional advantages. Contact us to find out more.
• Tax deductible investment strategies that will enable you to extract retained earnings from the business tax-free and use them to create wealth outside the business where it is protected. Contact us to find out more.

We will work with you and your advisors – accountants and lawyers - to tailor and customize a solution unique to your situation, and to secure and facilitate unique innovative funding instruments in the event of death, disability or dispute. Just as a professional athlete visualizes each move, as a team we can show unique and creative ways that owners such as you can avoid tax cycles at certain points in time, and use unique proprietary financial instruments to greatly reduce the cost of purchasing or selling a business.

We will prepare an analysis of the legal documents that could impact your situation as an ower. Such analysis will consist of a summary of the document, identification of issues within the document, conflict between documents and recommendations to effectively deal with the issues and conflicts. The documents to be analyzed will include:

• Shareholder Agreement
• Buy-Sell Arrangements
• Wills
• Insurance / Investment documents

Finally, we will prepare an analysis of your proposed plan or current shareholders’ agreement, highlighting the financial outcome as well as identifying how efficiently the business would have changed hands. We believe that it is important for you to have plans in place to ensure the continuation of the business and the entrenchment and eventual monteziation of your business values. In other words, it just makes good business sense, and we can’t stress this enough. We have developed this approach to put orderly succession “top of mind” for each business owner or shareholder and to do it while things are going well.

Please contact our office for more information on this topic. We provide a variety of solutions that you will find helpful.