Whether starting up, restructuring or selling your business, we work with business owners and entrepreneurs in a variety of sectors to create and preserve value in their businesses. We help you use that value to sustain your lifestyle now and in the future, ensuring that the business you've worked so hard to build continues to work for you.

Navigating each stage of your business lifecycle

What are the right decisions that need to be taken at the right time and with the right partner(s) to ensure long term success for the business, the owners and shareholders. 

Grow Business lifecycle

Start-up

  • Managing business cash flow
  • Protect my income and family’s well-being
  • Exposure to liability claims
  • When to incorporate
  • Term life, disability and critical illness insurance

Growth and expansion

  • Shareholder/partnership 
    agreement
  • Buy-sell funding, life and disability
  • Group health, dental and drug plans
  • Business overhead insurance
  • Key person insurance 

Maturity

  • Appropriate use of holding companies and trusts
  • Tax efficient allocation of investments
  • Individual Pension Plans (IPPs)
  • Permanent (cash value) life insurance

Succession or transition

  • Advice on structuring sale
  • Tax efficient investing and draw down strategies
  • Life annuities
  • Permanent insurance
  • Charitable giving strategies