Core issues for business owners and investors consistently include:
We strive to implement structuring that addresses the above and provides solutions for clients’ unique issues by focusing on Corporate Insured Structuring and Wealth Investment Management.
The arenas of risk mitigation and income tax minimization are comprised of diverse components. Our specialty is working with clients’ professional advisors to provide customized solutions to the pertinent issues and their complex inter-relationships. Our goal is to enhance after-tax situations through analyzing structural planning opportunities and the applicability of advanced life insurance concepts.
Many businesses and holding companies have surplus trapped inside that, without attention, will exacerbate capital gains taxation and attract heavy taxation for heirs. With no planning in place, it is not uncommon to pay up to 60% to CRA before corporate capital can be used by heirs personally. Capital dividends are one of the sweet spots and our solutions often augment the use of tax-free dividends.
We access elite industry legal/accounting tax minds to assist in the analysis of complex corporate situations and clients’ professionals commonly welcome this expertise. We assist in ensuring that after-tax dollars are maximized in the hands they are intended for. Ultimately, there are only three recipients of clients’ wealth – heirs, charitable/educational entities and CRA. Everyone must elect which two they prefer.
We position assets for minimum taxation & optimum return.
Our investment strategies provide optimum tax-adjusted returns and we prepare retirement income analyses and projections.
For higher net worth clients, we use Connor, Clark & Lunn, the largest independent Investment Counsellor in Canada. Investment Counsellors bring all the depth of pension fund management to the retail investor and, by providing neither brokerage services nor underwriting services, they eliminate potential conflicts of interest, ensuring the independence of research and investment decisions. In addition to generating strong risk-adjusted returns, they are especially skilled at the complex task of continuously managed diversification. CC&L’s innovativeness is evidenced by their Alternative Asset strategies – High Yield Bonds, Private Capital, Real Estate, Infrastructure and Private Equity.
We assist business owners with corporate continuity, succession and the maximum of after-tax values. We assist with tax effective compensation plans while protecting the business against the death or illness of key employees.
Much wealth is ‘trapped’ in investment and holding companies insofar as the extraction tax on withdrawal is high. At the same time, there is often pregnant tax liability with high share value and a low adjusted cost base. We often can minimize these tax issues.