How do I want my investments to be managed?

How involved do I want to be in the decision-making process?

Income needs in retirement, cash flow and inflation projections

Sensitivity analysis, Pension optimization

Diversification of retirement income: non-RSP, RSP, TFSA

Insured retirement plans, insured annuities

Consulting income, other income (e.g. rental)

What does your retirement look like?

Slow transition or full stop? Have you considered your exit options? Planning for transfer to family? Planning for transfer to third party? What is the business worth?

Converting business to retirement assets

Tax efficient drawdown methods — (salary/dividends/loans/trusts)

Personal vs hold co investing

Exit considerations: Timing, family, management, third party sale, wind up

Valuation approaches — income (multiple) vs asset (balance sheet)

What happens if there is an unexpected tragedy?

What plans do I have in place to keep the business going?

Determining business value: for estate freeze purposes, potential taxes at death, buy sell funding value.

Business continuity planning: Identify management leaders and successors, key person life insurance, disability, critical illness insurance, planning if business will be sold shortly after death

· Updated shareholders' agreement

· Buy-sell insurance funding

· Updated power of attorney for property and healthcare

· Updated Will

· Capable and willing executor

· Testamentary trusts

· Multiple Wills

· Dovetail with shareholders' agreement and marriage contracts

How do I keep more of the money I earn/have earned?

· Estimate income taxes at death

· Rollover to surviving spouse

· Estate freeze, charitable giving

· Corporate life insurance planning

· Corporate Dividend Account (CDA)

· Post-mortem planning for double taxes at death

· Probate tax planning