Planning first
Two kinds of client. One way of working.
Incorporated business owners and the people they employ. Retirees living off what they’ve built. The plan comes first in both cases. The portfolio follows.
- CFA
- CFP
- CIRO Approved Person
- Independent
- Victoria, BC
- EN / FR
Start here
Which one are you?
Track one
Incorporated business owners, and the people you employ
Compensation, corporate cash, structure and the exit. Plus a group retirement plan your staff will actually use.
- Salary versus dividends, decided once a year
- Corporate investing that stays clear of the passive income rule
- Group RRSP or pension, set up and administered
Track two
Retirees living on what they’ve built
The accumulating is done. This is the harder half: what to draw, from where, and in what order.
- A withdrawal order that keeps tax and clawbacks down
- When to take CPP and OAS, and why waiting can pay
- RRIF conversion, estate, and what the family inherits
Sold the company and now retired? Both apply. Start with either.
The moment you’re in
If one of these is you, the rest of the site is for you.
“I’m paying myself, but I don’t know if it’s the right way.”
“Cash is piling up in the corporation and nobody’s told me what to do with it.”
“I’ve stopped working. Now I have to decide what to draw, and from where.”
What changes when you have a plan
Outcomes you can point to, not services you have to decode.
You know what to take out, and when
Salary and dividends set for the year ahead, not reconstructed in April.
Corporate investments stop working against you
Passive income kept clear of the small business deduction grind-down.
One structure, not five accounts
Holdco, RRSP, IPP and personal accounts each given one job.
The exit has a number attached
What the sale needs to produce, and what to fix before it happens.
Your advisors talk to each other
Accountant and lawyer working from the same plan document.
Nothing waits for a crisis
A review calendar, so decisions arrive before the deadline does.
How it works
Three steps, no surprises.
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Intro call
Thirty minutes. What you’re dealing with, and whether I’m the right fit.
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Discovery and plan build
About two weeks. Corporate and personal picture, then the written plan.
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Delivery and reviews
Plan walked through in person, then a fixed review cadence.
Why work with me
What you can count on.
Client service
One advisor, reachable. Questions answered the same day, your plan reviewed on a schedule, and a real person through the decisions that matter.
Your interest first
A CFP professional is bound by FP Canada’s code to act in your interest. Every recommendation, and how I’m paid for it, is disclosed in writing before you decide.
Evidence-based
Decisions rest on long-run evidence about how markets work, not forecasts or hunches. The same principles guide the plan and the portfolio.
Independent
No head-office sales targets and no house products I’m pushed to sell. I recommend what fits your plan, and I answer to the person in front of me.
Newsletter
The trade-offs, made plain
Written for incorporated owners and retirees. What changes, and what it means for you. One-click unsubscribe.
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