We wouldn’t be the best advisors if we expected you to have all the answers.

Divide your estate equally and fairly.

Estate planning can be uncomfortable, but it’s not just about money. Striking the right balance between personal and business estates can be tricky, especially when dividing multiple heirs. We advise on the best means to split your assets fairly and equitably so that you can ensure your assets, including your business, pass into the right hands and continue to be a part of your legacy.

Across the board risk management.

How diversified are you? Does the amount of wealth tied up in your company pose a concentration risk? Could your income stream dry up if you faced hard times? We’ll help you answer the questions that keep you up at night and come up with a comprehensive strategy that’ll help you breathe a sigh of relief. The first step to stability is getting started.

Accomplish your goals with smarter debt management.

A low interest rate is often the decider when you’re in the process of taking on debt. It’s also important to consider the overall cost of borrowing and ensure that ultimately, your debt serves the overall needs of your business. When building an effective financial plan, we help you use your debt in the most effective way that maximizes your growth and secures your financial future.

We’re the sounding board for your business decisions.

Sometimes, you just need a second set of eyes. We go through every aspect of your business, bring in successful business owners as advisors, and help identify areas of risk so you answer questions like “Why should I spend this money now?” or “How should I structure my business for the future?” We arm you with the confidence to get the most from your success.

Let your money continue to support your lifestyle

One of the keys to building wealth is generating income from many different sources. Passive income lets you make money with low effort. Not sure where to start? Looking to get more out of your current passive income streams? Whether you want to start small or improve your current strategies, let us help you figure out the best plan.

Minimize your tax with efficient corporate structures.

Although you may have set up your business a certain way, there can be many tax benefits to restructuring or adjusting your corporate structure. We help you find out whether or not your corporate structure is tax-effective and suggest strategies that minimize your costs, avoid legal liability, and protect yourself and your assets.

There are more ways to give back than just donations.

Donating your time and effort can be a great way to give back to your community and pay forward the advice and help you received throughout your career. We serve as a sounding board for advice and guidance on various mentoring and volunteering opportunities. There are many ways to give back!

Set your legal affairs in order.

Two of the most important financial documents you sign are a Will that pertains to your assets and dependents, and a Power of Attorney (POA) where a trusted party can represent you in action. Within a Power of Attorney, there are vital considerations for your business and its structure. We can help you tailor legal documents to act in the best interests of you and your business, giving you a solid plan for the future.

Make informed decisions with advice you can trust.

We know that running a business, planning for the future, and making decisions can involve a lot of moving pieces. We connect you with the right professionals and top experts to give you all the information and advice you need to make informed decisions. It’s a holistic, comprehensive, and collaborative approach to help you achieve your financial goals.

Earn more than good karma.

Whether it’s gifting shares of your company to a charity or donating a lump sum from a policy to secure tax relief on an estate, there are options available to someone looking for an opportunity to do some good and get something back in return.

Invest your money where it matters.

Investment goals can take multiple trajectories depending on age, income, and lifestyle, but they don’t have to remain as moving targets. With sound planning that takes contingencies and roadblocks into account, our investment planners ensure you’ve got more than an umbrella saved up for the rainy day. Whether you start big or start small, it’s essential to start now.

Save on your investments with efficient tax planning.

You may have a keen eye for the stock market or a nose for the best investments, but it’s all for naught if you don’t plan correctly to save tax. Invest personally in a TFSA or RRSP, or through corporate strategies? We can help you answer these questions and more, and in doing so, we’ve found that our client’s tax savings are often more significant than returns on even the best investments.

Bring clarity to contingency planning.

When you own a business, there are a million and one different situations you need to plan for. We don’t just help you with a Plan B; we’ll help you from Plan A all the way through to Plan Z. With The Advisor Guide, you get a comprehensive strategy to mitigate all aspects of risk.

Measure your company’s performance with comprehensive business valuations.

One of the most popular ways to measure your company’s value is to calculate your enterprise value. Get a clear picture of your debts, cash reserve, market cap, and key person strategy with our thorough enterprise valuation. This allows you to negotiate your sale price and prepare for your transaction confidently.

Plan for every positive and negative contingency.

An exit strategy is a conscious undertaking that allows you to focus on collecting your timely wins and minimizing your losses. Our financial advisors can help guide your efforts towards determining the risk associated with an investment, trade, or business venture, especially those that can have an impact on your sale.

We pair you with financing that best fits your business.

When raising capital for businesses, we help companies and individuals assess their financing needs. Whether choosing between equity financing or debt financing, we help simplify the complexity by laying out the pros and cons and empowering you with the proper knowledge to make the right decision.

Grow your portfolio and improve your returns.

Our expert advisors do the math, so you don’t have to break a sweat over analytics. With sound financial literacy that prepares you for a peaceful future, we help you maximize your returns with investment strategies, sensible advice, tax planning, and preparation.

Save your hard-earned wealth through efficient tax planning.

You’ve worked hard for your money, and the last thing you want is to see it all evaporate because of poor tax planning. We ask the right questions. Are you investing in tax-efficient vehicles? Is your existing financial plan bringing you the most value? We can help you make a plan to maximize your savings and minimize your tax. All so you can enjoy the money that you’ve made.

Practice thoughtful giving.

Giving to a good cause is undoubtedly a noble undertaking for any family. What you might not know is that it’s also beneficial to you. As Canadians, we benefit from one of the most generous tax regimes for charitable giving worldwide. Understand the options, trade-offs, and benefits of various philanthropic arrangements, including creating a Charitable Foundation and how they impact your unique situation.

Across the board risk management.

When you own a business, we know that questions keep you awake at night. Are you prepared for hard or unexpected times? Is your money locked up? What happens if you get hit with a major lawsuit? How will your company function without you? We can help you answer these questions with a comprehensive strategy to mitigate all aspects of risk. With The Advisor Guide, you can rest easy.

Ensure the financial legacy you leave your family is a blessing.

Estate planning and bracketing ensures that money gets to the next generation reasonably and efficiently. A house, a block of shares, cash, a business – it’s all taxed differently, and the result could be a lot more different than you envisioned. We’ll help you make sure your children remain prepared, are treated financially equal, and your legacy is one you can look back on with pride.

Plan for the next iteration of your business.

Over 80% of businesses don’t make it to the hands of the second generation, and of those, only 3% survive for the third. That’s why we consider a thorough plan of business succession vital for any business owner. We’ll help you get a plan in place, analyze critical people, and create a comprehensive strategy to ensure your business benefits from your lifetime of hard work.

Help your family enjoy more through tax-efficient planning.

You work hard to provide for your family. Understanding the various tax-efficient vehicles and available options can help you put more wealth towards the people you care about the most. We help you find products and opportunities that ensure your family gets significant returns on the savings you’ve built for them.

Proactive legal documents that ensure financial security.

One of the most important financial documents you can sign is a business will or a secondary will that protects your assets from probate fees. It’s also important that your business have ironclad shareholder agreements that prepare you and your business partners for the worst. When thoughtfully executed, these strategies can help your business save money, reduce risks, and continue operating smoothly, even in the worst of circumstances.

Tax savings for your family.

A Family Trust plan can pass on incredible tax savings to you and your family. If you’re concerned about how much of your company’s wealth will make it into the hands of your children, a Family Trust is something you should strongly consider and something we can help you plan for.

Plan for the worst so you can live your best.

We begin by listening. Our planned and consultative approach ensures that we first understand your situation before analyzing how different insurance solutions fit your overall outlook. This way, you get personalized advice strictly based on your needs and wants and what’s most important to your business and family.

Bringing clarity with contingency planning.

For new and startup business owners and even established ones, it can feel like everything will fall apart if you’re not there tomorrow. Having a clear and carefully crafted contingency plan including a key person analysis can mitigate risk and create clarity for you, your company, and your shareholders. At The Advisor Guide, we can help you develop sound contingency plans that ensure the strength of your business no matter what.

Sold your business? We help you understand what comes next. Know what you’re getting into with sound advice from experts.

With a transaction as delicate and essential as the sale of your business, you need to make sure that you’ve crossed your “t’s” and dotted your “i’s”. By connecting you with a team of professionals, we help you identify risk areas, explore new business opportunities, and highlight the potential ramifications of certain decisions. Know what you’re getting into with sound advice from experts.

Reach your goals while maintaining your lifestyle.

When you’re spending your wealth, which source of money do you tap into first? RRSP? Non-registered account? Matured life policy? There’s an order of consumption that we recommend that helps you save on tax and get the most out of your savings. We bring clarity and strategy to map out a plan that works for you in a sea of confusing options.

Serve your best interests with the right portfolio.

With an array of portfolio options, our advisors do the deep dive into charting the right plan that’s best suited to you. Whether you’re looking for estate or retirement planning, or simply need to allocate your portfolio with a steady mix of bonds and stocks, we’ve got you covered.

Set yourself up with an ironclad wealth transfer plan.

When you are planning to transfer your wealth, there can be any number of hiccups along the way. By considering all available options and setting up a highly structured and detailed plan, you can breathe easy knowing that the wealth you have spent your life building will serve those you love and care about.

Learn the best way to manage your income and expenses.

While cash is king for most businesses and day-to-day expenses, it’s crucial to study your cash flow statement, and make prudent debt choices to analyze how well your money is being utilized. To ensure you don’t go into a cash crunch, we help you get a snapshot of your financial health and work together to effectively manage where your money comes from and where it ends up going.

Get the most value from your company.

Your company has wealth locked up in it. With some help, you won’t lose the opportunity to put these funds to good use. You shouldn’t have to sell your company or pay excessive amounts of taxes to get at the wealth you’ve worked so hard for. We’ll help you find the best available cash extraction strategies so you can access this wealth in the most tax-efficient way possible.

Find the right way to invest and grow your wealth.

A good portfolio is a diverse one. Holding a variety of investment vehicles made of different types of assets can help you yield higher returns in the long term. Whether you choose a low-risk or high-risk option, we can help develop a portfolio that works according to your unique objectives.