— Business owners and founders —
You've been quarterbacking everything. You shouldn't have to.
Operating company. Holding company. Real estate. Investments. Insurance. The lawyer, the accountant, the banker, the people who handle each piece — all of them sending you questions, none of them holding the whole picture. That's where we come in.
i · The picture
Many moving parts. One picture.
A business owner's wealth lives in pieces. An operating company. A holding company. Real estate — sometimes commercial, sometimes a portfolio, often both. Registered accounts and investment accounts. Life insurance. Shareholder agreements. Probably a trust. Ten or twelve distinct pieces, all part of the same financial life.
Each piece has its own rules, its own tax treatment, its own coordination requirements. We look at them as one picture — because that's what they actually are.
ii · The coordination
We hold the picture.
Most business owners spend years connecting the pieces of their financial life themselves. Their accountant handles the tax filings. Their lawyer handles the corporate documents. Their banker handles the operating accounts. Their insurance person handles the policies. Their investment guy handles the portfolio. And every one of those professionals sends questions to the business owner — because the business owner is the only person who can see across all of it.
Our job is to be that person instead. We work alongside your accountant, lawyer, banker, and insurance specialists — sharing context, catching what falls between the pieces. Most questions get answered before they reach you. The decisions get made with the full picture in the room.
Insurance products are sold via Harbourfront Estate Planning Services Inc. (HEPSI). These products are not subject to CIRO regulation or CIPF coverage. Please inquire for more information.
iii · The phases
Pre-exit. Transition. Post-exit. Three different financial lives.
While the business is operating, the work is about structure, optimization, and stewardship of complexity. When a transition begins, the work shifts to strategy — what gets sold, what gets kept, what gets restructured, what the after looks like. After the exit, it's a new financial life entirely: same family, same goals, completely different mechanics.
We work through all three. With the same people. With the picture intact.
— The next step —
The first conversation is about where you are.
Mid-career, contemplating an exit, in the middle of one, or on the other side of one. The starting point shapes the conversation. We meet you there.