Lawyers, Medical Professionals, Accountants, and Commercial Real Estate Agents

Our team works with incorporated professionals due to the additional levels of complexity required to effectively manage their complete picture. In addition to “general” financial planning, below are topics that we specifically investigate for our clients that fall into this category.

You're busy. We want to give you time back in your day so you can focus on what matters, whether that is family, work, travel, or all the above.

Tax Appropriate Investing

The incorporated professional faces a puzzle most investors never encounter: where should each investment live? Tax appropriate investing means placing each investment deliberately, strategically, in the account where it remains in your hands.

We want to leverage each account type (Corp, RRSP, TFSA, Personal Non-Reg) for what they’re best at, allocating appropriate weightings of your overall portfolio into each of them to ensure greater after-tax returns.

Through proper management we can help maximize your Capital Dividend Account and increase RDTOH balances for further tax benefits for a time when you withdraw funds.  

Retirement Planning

You've built a successful practice. But what does retirement actually look like for you? We work backwards from your vision, ensuring your assets are positioned strategically, your tax burden minimized, and your transition into retirement seamless. Below are some of the key topics we discuss in addition to investment strategy, asset mix, and rate of return requirements.

Savings Planning

Deciding which accounts to maximize shouldn't be a struggle, yet for incorporated professionals, it often becomes one. Should capital remain within your corporation to compound, or flow outward strategically? Should you withdraw funds from your corporation to fund RRSP contributions? Does maximizing your TFSA precede your RRSP?

Cashflow Planning

Alongside your accountant, we determine which accounts should be relied on, and when, for your retirement income. From balancing RRSP income with dividends from your corporation, to deciding which accounts to pull from first, we ensure every dollar works strategically. We also make certain that unused funds are put to work in the best way possible for your personal circumstance, transforming a scattered approach into a coordinated system designed for maximum efficiency.

Estate & Trust Planning

With proper planning in place, it’s not unlikely that you will end up with a net worth that outlives your needs, that’s where we can look to the next generation.

Our internal lawyers will join us for a complimentary Will & Estate Consultation to ensure nothing has been overlooked. Together, we examine strategies like multiple wills, tax reduction techniques, and the common pitfalls that unnecessarily complicate estates.

Our partners at Royal Trust will join us to explain the corporate executor services that we have available, and the different capacities in which they can act to support you and your executors.

Individual Pension Plans (IPP)

In 2025, an incorporated professional age 55 could contribute up to $47,000 annually to an Individual Pension Plan - 45% more than the $32,490 RRSP limit.

For those over 40, if you're incorporated and still making RRSP contributions, an IPP could be your secret weapon. Imagine an RRSP with higher contribution limits, superior tax deferral, and flexibility that traditional retirement accounts simply don't offer.

We handle the set-up, administration, and management, turning a complex pension vehicle into your most powerful wealth-building tool.

Coordination with Your Accountant

Too often, tax implications are discovered after decisions are made. We change that by preparing a comprehensive tax package that includes all personal and corporate tax information relating to your investments, eliminating guesswork and delays. We become an extension of your accounting team, transforming tax management from reactive problem-solving into strategic planning.

Private Banking

We partner with Private Banking to ensure that you receive professional management of your day-to-day banking needs in addition to your investments. We work with them behind the scenes to coordinate on money transfers, mortgages, US accounts, and capital loans.