Business Solutions

Buy / Sell insurance ensures your business is protected in the event of a shareholder’s or partner’s unexpected death or disability. This coverage funds a buy/sell agreement, allowing surviving partners or the business itself to purchase the departing owner’s share(s), helping to maintain control, continuity, and stability. This is a proactive solution that protects both ownership and legacy.

Your business relies on more than numbers; it relies on people. Key person insurance provides financial protection if a key employee or owner is suddenly unable to work due to illness, injury, or a critical diagnosis. These policies help offset the loss of revenue, cover the cost of finding a replacement, and keep the business operating during a transition.

Corporate-owned life insurance can be used to fund buy/sell agreements, support estate planning, or create a tax-efficient way to protect retained earnings. The corporation holds the policy that can provide liquidity when it’s needed most. This offering provides both risk protection and planning flexibility for the business and its shareholders.

As an owner, your personal and business finances are often deeply connected. Our business owner protection strategies help ensure that you, your family, and your company are safeguarded against unexpected risks. This may include a combination of insurance solutions, tax planning, and long-term growth strategies, all tailored to support your financial goals as both an individual and a business owner.

Offering a competitive group benefits package helps you attract and retain top talent while supporting the well-being of your team. We help you source a customized health and dental plan that meets the needs of your employees and aligns with your business goals and budget, ensuring value, flexibility, and affordability.

Group RRSPs are a valuable way to help employees save for retirement while strengthening your overall compensation offering. Contributions are made through payroll deduction, making it simple and accessible. We work with you to source a plan that supports your employees’ long-term financial wellness and reinforces your reputation as an employer of choice.

An Individual Pension Plan is a defined benefit retirement plan tailored for incorporated business owners, professionals, and executives. It offers higher contribution limits than an RRSP, especially for those over 40, and is fully tax-deductible to the corporation. An IPP is a sophisticated retirement solution that combines long-term income security with tax-efficient corporate planning.