How We Work | Our Process for Corporate Investing & Tax Strategies

Initial Consultation

We start with a 15-minute intro call to understand your situation and see if there's a fit. This is a no-obligation conversation where we:

• Learn about your corporation and your goals
• Understand your current situation and concerns
• Identify potential opportunities or challenges
• Determine whether we can add value to your situation

What to expect: A friendly, exploratory conversation. No pressure, no sales pitch—just a discussion to see if working together makes sense.

What you need: Just yourself and a basic understanding of your corporation's situation. No documents required for this initial call.

Outcome: Either we identify a fit and discuss next steps, or we help you understand what you might need elsewhere. Either way, you'll leave with clarity.

Discovery

If we decide to proceed, we gather detailed information about your situation. This helps us understand your corporation, goals, constraints, and opportunities.

What We Learn About

• Corporate structure: Your corporation's legal structure, ownership, and relationships (HoldCo/OpCo, trusts, etc.)
• Financial situation: Business income, surplus cash, current investments, debt, and cash flow
• Tax situation: Current tax planning, structures in place, and coordination with your CPA
• Goals and objectives: What you're trying to achieve—wealth building, tax optimization, estate planning, succession
• Risk tolerance: Your comfort level with different types of investments and strategies
• Time horizon: Short-term needs vs. long-term wealth building
• Professional team: Your existing CPA, lawyer, and other advisors

Information We May Request

• Corporate financial statements
• Current investment statements
• Tax returns (if relevant and with your permission)
• Insurance policies (if reviewing insurance)
• Estate planning documents (if relevant)

Privacy and security: All information is handled with strict confidentiality. We only request what's necessary to provide appropriate recommendations.

Analysis

We analyze your situation to identify opportunities, challenges, and strategies that align with your goals and circumstances.

What We Analyze

• Tax optimization opportunities: SBD grind exposure, RDTOH/GRIP balances, CDA opportunities, income type optimization
• Investment strategy: Current portfolio structure, tax efficiency, risk alignment, diversification
• Coordination needs: How investment and insurance strategies align with your CPA's tax planning and lawyer's estate planning
• Estate planning integration: How corporate wealth fits into your overall estate and succession plan
• Risk assessment: Current risks and how to manage them
• Opportunity identification: Areas where strategic changes could improve outcomes

Our Approach

• Brand-agnostic: We research the entire market to find best-in-class solutions, not just what's convenient
• Evidence-based: Our recommendations are based on data, research, and proven strategies
• Tax-focused: We prioritize after-tax returns and tax efficiency
• Long-term perspective: We design strategies for decades, not quarters
• Coordinated: We consider how everything works together, not in isolation

Timeline: Analysis typically takes 1-3 weeks, depending on complexity and the information available.

Recommendation

We present our recommendations with clear explanations, rationale, and next steps. Our goal is to help you make informed decisions, not to push products or strategies.

What We Present

• Clear recommendations: Specific strategies, products, or structures we recommend and why
• Rationale: The reasoning behind each recommendation, including tax benefits, risk considerations, and alignment with your goals
• Alternatives: Other options we considered and why we recommend one over others
• Trade-offs: What you gain and what you might give up with each option
• Implementation steps: What needs to happen to implement the recommendations
• Coordination needs: How this aligns with your CPA, lawyer, and other advisors
• Fees and costs: Transparent disclosure of all fees and costs

How We Present

• Written summary: A clear, written document you can review and share with your team
• Discussion meeting: A meeting to walk through recommendations, answer questions, and discuss concerns
• Plain language: We explain complex concepts in clear, understandable terms
• No pressure: You decide what to implement, when, and how

Your decision: You're in control. We provide information and recommendations, but you decide what makes sense for your situation. We're here to help you think through decisions, not to make them for you.

Implementation

Once you've decided what to implement, we help you execute the strategies. We handle the details so you can focus on your business.

What We Handle

• Account setup: Opening investment accounts, completing paperwork, coordinating with custodians
• Portfolio construction: Selecting investments, building portfolios, executing trades
• Insurance applications: Completing applications, coordinating underwriting, managing the process
• Coordination: Working with your CPA, lawyer, and other advisors to ensure everything aligns
• Documentation: Ensuring all paperwork is complete and accurate

Your Role

• Provide information: Answer questions, provide documents, sign paperwork
• Make decisions: Approve strategies, products, and implementation steps
• Coordinate with your team: Ensure your CPA and lawyer are aware and aligned

Timeline: Implementation timelines vary based on complexity. Simple portfolio setups might take a few weeks; complex structures involving multiple parties might take several months. We'll keep you informed throughout.

Ongoing Review

Wealth strategies need to evolve as your situation changes. We provide regular reviews and adjustments to keep your strategy aligned with your goals and circumstances.

Review Frequency

• Portfolio reviews: Typically quarterly or semi-annually
• Strategy reviews: Annually, or when significant changes occur
• Ad-hoc reviews: Available whenever you have questions or concerns

What We Review

• Performance: How investments are performing relative to expectations and benchmarks
• Goals: Whether your goals have changed and if strategies need adjustment
• Circumstances: Changes in your business, personal situation, or tax/legal environment
• Tax optimization: Ongoing opportunities to optimize tax efficiency
• Coordination: Ensuring everything still aligns with your CPA, lawyer, and other advisors

Adjustments

• Rebalancing: Adjusting portfolio allocations as needed
• Strategy updates: Modifying strategies based on changes in circumstances or opportunities
• New opportunities: Identifying and implementing new strategies as they become relevant

Communication: We stay in touch between formal reviews. You can reach out anytime with questions, and we'll proactively contact you if we see opportunities or concerns.