— Professionals with complex wealth —
Three legal entities. One financial life.
A professional corporation. Often a holding company. Sometimes a family trust. Personal accounts and investment accounts. Insurance, savings, and compensation structures spread across them. You have the structures. You don't have time to manage them.
i · The structures
Active management, not annual reconciliation.
A professional corporation isn't a one-time setup — it's an ongoing decision-making layer. How much salary versus dividend, in what proportion, given the year you're having. When to retain earnings, when to pay them out, what to do with retained earnings sitting inside the company.
A holding company adds another layer. Investment income behaves differently inside a corporation than personally. Capital dividends, refundable taxes, integration math. A family trust changes things again — income splitting, beneficiary distributions, the 21-year rule when applicable.
We treat all of these as one system. Decisions made in one entity ripple through the others. Our work is making sure those ripples are intentional.
ii · The pace
Real time, not year-end.
Most of the consequential decisions in a professional's financial life can't wait for the year-end conversation with the accountant. They have to be made in the moment they come up — when a bonus structure is being negotiated, when a partnership opportunity arrives, when a property is being considered, when an unexpected windfall lands.
Our work is being available when those moments happen, with the full picture in mind. You shouldn't have to figure out the implications alone, then call your accountant to confirm later. We're already in the conversation.
iii · The integration
Personal and professional, as one picture.
A professional's financial life isn't easily separated into “work money” and “personal money.” The professional corporation is part of the personal balance sheet. The retained earnings are part of the retirement plan. The corporate-held insurance is part of the family's protection. The compensation strategy is part of the cash flow plan.
We don't pretend these are separate things. We plan them as one — because that's how they actually function.
— The next step —
The starting point is the picture itself.
Most professionals we work with have built complexity over years without ever sitting down with someone who could see it all at once. The first conversation is usually about putting the whole picture on a single page. That's the starting point. Everything else follows.