The Client Journey
A disciplined planning process for complex corporate decisions.
"For incorporated business owners, meaningful financial decisions are rarely isolated. Tax efficiency, retained earnings, liquidity needs, and long-term estate outcomes are deeply interconnected."
- Our client journey is designed to bring clarity and structure to that complexity.
- It is not a sales process.
- It is a planning framework that helps business owners determine whether advanced strategies are appropriate, how they should be structured, and when they should be implemented.
Context & Discovery
Understanding the full corporate and personal landscape.
Before discussing strategies or tools, we focus on understanding how your corporation and personal planning currently function.
- Corporate structure and retained earnings
- Passive investment exposure and tax profile
- Shareholder objectives and time horizon
- Existing insurance, investments, and planning arrangements
"Does this type of planning make sense in your specific situation?"
Not every business owner benefits from corporate insurance strategies. We evaluate suitability clearly to prevent unnecessary complexity.
Strategic Fit Assessment
Determining whether advanced planning is appropriate.
Structure Design
Designing the framework before selecting products.
Only after the structure is clearly defined do we move toward implementation decisions. Considerations include:
We ensure planning intent is executed accurately across all parties to reduce friction and unintended consequences.
Accountants
Coordination
Lawyers
Implementation & Coordination
Working alongside your professional advisors.
Ongoing Review & Governance
Planning as a long-term process, not a one-time event.
Tax rules change, businesses grow, and priorities shift. We support ongoing review by:
- 1Monitoring planning assumptions
- 2Reviewing structural relevance
- 3Ensuring long-term alignment
A Planning Philosophy Built on Discipline & Clarity
We prioritize understanding over action, structure over products, and long-term outcomes over short-term decisions.