Foundational Articles
Core principles of corporate financial planning, taxation, and wealth structure design.
Why Rate of Return Is the Wrong Question
When evaluating financial decisions, many business owners instinctively ask a familiar question, "What is the rate of return?"
Why Many Business Owners Underestimate Estate Liquidity Risk
For many business owners, estate planning is often viewed as a future concern—something to be addressed closer to retirement or later in life. This perspective is understandable.
What an IFA Really Is—and What It Is Not
Immediate Financing Arrangements (IFAs) are often discussed in simplified terms—sometimes as a way to “borrow back premiums,” or as a form of leverage tied to insurance. This framing is misleading.
Is Corporate Insurance Right for Every Business Owner?
Corporate-owned life insurance is often discussed as a powerful planning tool for business owners. Its long-term tax efficiency and estate planning benefits are well documented.
Corporate-Owned Life Insurance: A Planning Tool, Not a Product
For many Canadian business owners, life insurance is often introduced as a product decision—coverage amount, premium level, or insurer selection. In corporate planning, however, this framing misses the point entirely.
Why Doing Nothing Is Also a Decision
When faced with complex financial decisions, many business owners choose to wait. This is rarely framed as a decision.
Understanding CDA: What It Is, When It Appears, and Why It Matters
For many Canadian business owners, the Capital Dividend Account (CDA) is something they have heard of, but rarely something they actively plan around. This is understandable.