About 99 Financial Inc.
Specializing in tax-efficient wealth strategies for Canadian entrepreneurs, incorporated professionals, and high-net-worth families.
Independent. Advisory. Strategy-Led.
- 99 Financial works with Canadian business owners and incorporated professionals on long-term, tax-efficient wealth planning.
- Our work focuses on situations where corporate assets, tax considerations, liquidity planning, and long-term outcomes intersect. We provide strategy-led advice, often involving corporate-owned insurance structures, and work alongside clients' existing accounting and legal advisors.
- We do not provide product-driven recommendations. Our role is to help clients make informed decisions within a broader, integrated planning framework.
Our Approach
Our approach is strategy-led and planning-focused.
We begin by understanding each client's corporate structure, objectives, and existing advisory relationships. From there, we evaluate how tax efficiency, liquidity, and long-term outcomes can be integrated into a coherent, sustainable planning strategy.
"Where appropriate, insurance is used as a planning tool, not as a standalone solution."
Our Commitment
We are committed to providing clear, disciplined, and practical advice that supports long-term decision-making.
Clarity
Over Complexity
Structure
Over Tactics
Long-Term Outcomes
Over Short-Term Optimization
We prioritize thoughtful analysis, transparent communication, and professional collaboration.
About the Founder
Tom Ren
99 Financial Inc. was founded by Tom Ren, who has over 10 years of experience advising Canadian business owners and incorporated professionals on corporate insurance and tax-efficient wealth planning strategies.
Fluent in English and Mandarin, Tom works closely with Canadian business owners and immigrant business families, helping them navigate complex planning decisions with clarity, precision, and integrity.
His work frequently involves collaboration with accountants, lawyers, and other professional advisors to ensure strategies are well-integrated and appropriately implemented.
Who We Typically Work With
- Incorporated business owners with retained earnings
- Professionals operating through corporations
- Clients exploring long-term tax efficiency, liquidity, or estate considerations
- Individuals who already work with accounting and legal advisors
We do not provide legal or tax advice. All strategies are discussed and implemented in coordination with the client's professional advisors.