The Cost of Doing Nothing
📉 Idle Corporate Cash
$500K earning 4% interest at top tax rate (50.17%).
Cost: $10K per year in unnecessary tax ($300K over 30 years).
⚖️ No HoldCo Structure
Passive investments in OpCo trigger SBD grind.
Cost: Loss of $50K-$100K per year in SBD eligibility.
🏚️ No Estate Strategy
$5M estate with no structure creates $2M+ CRA bill at death.
Cost: Family forced to liquidate or borrow to pay taxes.
📈 No Tax-Efficient Growth
Traditional funds vs. corporate-class funds: 1-2% annual drag.
Cost: $1M+ lost compounding over 30 years.
Combined impact: $3M-$5M+ in preventable erosion over a lifetime.
Calculate Your Savings Potential
Examples are illustrative only and not personalized advice. Assumptions: Quebec combined corporate tax rate 50.17%, 30-year time horizon, 6% pre-tax investment returns. Individual results will vary.
Switch to Dynasty Planning
💰 Put Every Dollar to Work
Corporate cash deployed in tax-efficient structures, not idle earning interest at punitive rates.
🏗️ Build Lifetime Tax Reduction
Use HoldCo/OpCo separation, CDA, RDTOH, and corporate-class funds to reduce lifetime tax drag.
🛡️ Create Estate Liquidity
Build insurance-backed liquidity for succession and estate needs, protecting what you've built.
👨👩👧👦 Align with Family Legacy
Structure wealth to transfer efficiently to the next generation, not erode through tax inefficiency.
👉 The choice isn't between risk and safety: it's between erosion and compounding.
Our 3-Step Approach to Generational Outcomes
Optimize for tax
Design around efficient income types and deferral to reduce drag and boost compounding.
Invest with leaders
Brand-agnostic research to identify managers with durable edge and process discipline.
Structure to last
Align accounts, entities, and insurance to support succession and multi-gen continuity.
Our Investment Discipline
Dynasty-First Mindset
We build portfolios designed for decades, focusing on multi-generational wealth transfer, not short-term market noise.
Tax-Efficiency is Paramount
We prioritize after-tax returns by leveraging structures like the CDA, RDTOH, and corporate-class funds to maximize what you keep.
Independent & Unbiased
We are brand-agnostic, researching available fund and insurance solutions to identify best-in-class options for your unique corporate structure.
Who This Is For
This approach works best for incorporated business owners who think in decades, not quarters, and value structure over speculation.
Ideal Fit
- Think in decades, not quarters
- Value structure and discipline
- Care about the example set for the next generation
- Want an independent, thoughtful partner
- Already have capable professionals (CPA, lawyer)
- Willing to invest time in understanding
Not a Good Fit
- Want fast answers and quick fixes
- Prefer short-term optimization
- Want transactional advice
- Prefer to delegate completely without involvement
- Are looking for guarantees or promises
- Want to replace your CPA or lawyer
That clarity is intentional. Better to identify a mismatch early than waste time on both sides.
Services for Incorporated Owners
Corporate Cash & Investments
Keep reserves liquid yet working; design growth portfolios optimized for corporate tax.
Learn about corporate accounts →Life Insurance for Business Owners
Protect key people, fund buy–sell, build tax-sheltered value, plan estate liquidity.
Explore our insurance process →Personal Insurance & Investments
Align personal investments (RRSP, RIF, TFSA, RESP, RDSP, non-reg) and insurance with corporate strategies for maximum benefit to the family.
All services →How We've Helped Business Owners
Real examples of how we've helped incorporated business owners improve structure, coordinate with their professional team, and build wealth for the long term.
Resources & Learning
For CPAs
Client-facing resources that explain investment structure concepts related to tax topics you regularly discuss. Support your tax advice with investment guidance.
View CPA resources →Insurance Guides
Comprehensive guides on corporate life insurance, buy-sell agreements, key person insurance, and estate strategies with insurance for business owners.
Browse insurance articles →Investment Guides
In-depth articles on corporate portfolios, tax efficiency, and dynasty-first investing strategies for business owners.
Browse investment articles →A Message from Your Advisor
Anton Ivanov
"Your corporation is your life's work. My mission is to provide the discipline and tax-smart framework needed to protect and grow that wealth for generations. We're not just investing for the next quarter; we're building a dynasty."
"As an independent advisor for incorporated professionals and their families, I've spent my career focused on the unique challenges you face: from managing passive income rules to structuring a tax-efficient estate strategy. Let's build a framework that endures."
How We WorkFrequently Asked Questions
Is corporate investing the same as personal?
No. Corporate accounts face different tax treatment. Prioritizing efficient income types and deferral often matters more than chasing headline yields.
Do you work only with one bank or insurer?
No. We're independent and brand-agnostic. We compare across providers and recommend what best fits your objectives and constraints.
Can you coordinate with my accountant and lawyer?
Yes. We regularly collaborate to align HoldCo/OpCo, trusts, estate freezes, and insurance design with your tax and legal plan.
Is this investment advice?
This website is educational. Advice requires a formal engagement, KYC/KYP, and suitability assessment based on your circumstances.