Plan properly, and you’ll get the most out of your business.

Business and farm owners spend so much time and energy building, operating and growing, but in order to enjoy the full benefits of all that work, what's needed is a clear path to retirement.

We will all come to that day at some point, and what we provide is a coordinated plan and a clear picture of how you will actually make the transition.

By providing a comprehensive planning process specifically for business and farm owners, we can lay out the steps to get through the retirement transition, from creating a timeline to extracting capital from your business.

This allows us to structure your business and personal affairs in such a way that you can take advantage of every opportunity to accumulate and protect your wealth.

We want to find and execute the best options for:

  • Creating and managing sources of income for retirement
  • Allocating wealth among registered, non-registered and tax-sheltered accounts
  • Coordinate with tax, legal and other specialists to guide you through the transition
  • Creating IPPs, insured retirement plans and buy/sell agreements
  • Helping to maximize the value of your business or farm
  • Selling farm equipment and land
  • Communication with 3rd party buyers or family members

Balancing Retirement Needs and Estate Goals

As a retiree you want to know that you can pursue those interests you didn't have time for while you were running your business, but you also want to ensure your wealth will last and your estate goals will be met.

We work to help you:

  • Get the cash flow you need in retirement
  • Manage the revenue from the sale of the businesses or farm
  • Purchase a new home or property and meet various lifestyle goals
  • Transfer wealth to family member and pursue philanthropic goals

By planning your estate, we also help you:

  • Build and preserve wealth for the next generation
  • Design an estate plan that meets your needs and ensure your will is up to date
  • Consult with tax and legal specialists
  • Ensure a shared understanding between you, our team and your beneficiaries
  • Transfer family wealth in a tax-efficient manner

Helping Owners Grow

While you focus on growing your business, we help ensure your wealth follows suit. We want to make sure that the revenue from your business is allocated, structured and managed in a way that captures opportunities and mitigates risks.

We work with business and farm owners to:

  • Create a long-term plan to accumulate wealth and get on track to retirement
  • Invest within your business and grow your wealth tax-efficiently
  • Help align your business needs with your personal wealth goals
  • Design a custom portfolio according to your risk tolerance and growth goals
  • Maintain your portfolio through a disciplined, active investment process

Opportunity is hidden in the detail.

While you're operating your business or your farm, there isn’t much time in the day to seek out and understand all your options to reduce tax or liability.

Our purpose is to sort through all the details and clarify your options and opportunities. In coordination with your accountant and lawyer, we help to implement and maintain solutions for:

  • Extracting capital from your business and managing cash flow tax-efficiently
  • Identifying exemptions, income sharing and other strategies to lower tax
  • Saving tax through the sale of your business or farm
  • Key person insurance and other protection strategies