Solutions
How we structure long-term corporate planning for business owners
At 99 Financial, insurance, tax, and liquidity decisions are evaluated within a broader long-term corporate planning framework.
Our work is most relevant for business owners who prioritize structured decision-making and long-term alignment over short-term tactics.
Client Journey
A disciplined planning process, designed for complexity
- Every engagement follows a structured process — from understanding corporate context to evaluating strategic fit, implementation, and ongoing review.
- This ensures decisions are made deliberately, with clarity around trade-offs, timing, and long-term consequences.
- Best suited for business owners who value process, coordination, and strategic clarity.
Corporate-Owned Life Insurance
Insurance as a long-term planning tool
- Corporate retained earnings strategy
- Long-term tax efficiency
- Structured liquidity access
Capital Dividend Account (CDA)
Understanding the mechanics behind tax-free corporate wealth transfer
- Tax-efficient corporate extraction
- Estate & succession planning
- CDA optimization
Immediate Financing Arrangement (IFA)
Balancing long-term structure with lifetime liquidity
- Corporate capital efficiency
- Shareholder planning strategy
- Interest deductibility
How the Solutions Work Together
The Client Journey provides the planning discipline and decision framework.
Corporate-owned life insurance establishes a long-term structural foundation.
The Capital Dividend Account reflects the tax outcomes created by that structure over time.
Where appropriate, an Immediate Financing Arrangement may be used to enhance liquidity.
"Together, these components form an integrated approach — one that prioritizes structure, coordination, and clarity over individual tactics or short-term outcomes."
Who These Solutions Are For
Typically suitable for
- Incorporated business owners with retained earnings
- Long-term planning and tax efficiency focused
- Estate, succession, or shareholder planning considerations
- Comfortable with structured, coordinated decision-making
Often not appropriate when
- Corporate cash flow is needed for near-term operations
- Objectives are short-term or return-driven
- Flexibility is prioritized over structure
- Decisions are evaluated in isolation
Planning Structures in Practice
Illustrative case structures showing how corporate and family capital can be strategically positioned for long-term tax efficiency, liquidity access, and estate outcomes.