OUR SERVICES

Two Tracks. One Standard.

Whether you are protecting a young family or restructuring corporate surplus, the process is the same: understand the full picture first, then build the plan. We serve Alberta families and incorporated professionals through two distinct planning tracks, each with its own tools, strategies, and depth.

TRACK ONE

For Families

Canadian families age 25 to 55 with a combined household income of $100K or more. You have a mortgage, kids, and a growing income. You know you should have a plan but nobody has sat down and shown you the full picture.

Life InsuranceLiving BenefitsSegregated Funds

Explore Family Planning

TRACK TWO

For Business Owners

Incorporated professionals and business owners earning $150K or more in T4 income. You have built a corporation and almost nothing inside it is working as hard as you are. Your accountant handles compliance. We handle strategy.

IPPIRPRCAIFA

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FOR FAMILIES

Protection That Matches Your Actual Life

Life Insurance

If something happened to you tomorrow, could your family keep the house, cover childcare, and maintain their standard of living?

We structure coverage around your actual obligations: mortgage balance, income replacement years, education costs, and outstanding debts. Not a round number someone picked because it sounded right.

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Living Benefits

A critical illness diagnosis does not just affect your health. It affects your ability to earn, parent, and keep your household running.

Critical illness and disability income coverage fill the gap between what your employer plan covers and what your family actually needs to survive a serious health event without financial collapse.

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Segregated Funds

You want your money to grow, but you also want to know the floor. Mutual funds offer no principal guarantees. GICs barely keep pace with inflation.

Segregated funds combine market participation with 75% or 100% maturity guarantees, creditor protection for business owners, and named beneficiaries that bypass probate.

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FOR BUSINESS OWNERS

Corporate Strategies That Actually Move the Needle

Each of these strategies solves a specific problem for incorporated professionals. They are not interchangeable. The right combination depends on your age, income, corporate structure, and what you are trying to accomplish over the next 10 to 20 years.

Individual Pension Plan (IPP)

You have maxed your RRSP and you are still sitting on corporate surplus that is being taxed at 46.7% as passive income.

Age 40+T4 Income $150K+

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Insured Retirement Plan (IRP)

You want retirement income that does not depend entirely on market performance, and you want a death benefit that transfers tax-free.

Tax-Free Retirement IncomeEstate Transfer

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Retirement Compensation Arrangement (RCA)

Your income is well above $200K and you have exhausted every registered plan. There is nowhere left to put money that is not taxed at the top rate.

Income $200K+No Contribution Limit

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Immediate Financing Arrangement (IFA)

You want to build permanent insurance inside the corporation but you cannot justify locking up that much capital.

Corporate Surplus $500K+Capital Efficiency

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Run the Numbers Before the Conversation

Use the IPP Contribution Estimator or Corporate Surplus Analyzer to see what these strategies could look like for your specific situation.

IPP Estimator Surplus Analyzer

Not Sure Which Track Fits?

Start with the Financial Snapshot. It takes five minutes and gives us enough to tell you which planning track makes sense for your situation.

Start Your Financial Snapshot Book a Consultation