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.
Long-Term Wealth That Lasts
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 real choice is erosion or compounding. We focus on what compounds.
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
Independent 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
Built for Decades
We build portfolios designed for the long run, focusing on multi-generational wealth transfer, not short-term market noise.
Tax-Efficiency is Paramount
We prioritize after-tax returns. CDA, RDTOH, corporate-class funds: we use every tool to maximize what you keep.
Independent & Unbiased
We compare across providers and recommend what best fits your structure and objectives.
Who This Is For
This works best if you think in decades, value structure over quick wins, and already work with a solid CPA and lawyer. You want a partner who coordinates with your team, not someone who replaces it.
If you want fast answers, someone to make every decision for you, or guarantees, we're probably not the right fit. That's okay. Better to know early.
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 owner-managers 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 long-term investing strategies for business owners.
Browse investment articles →A Message from Your Advisor
Anton Ivanov
"Your corporation is your life's work. My job is to give you the discipline and tax-smart framework to protect and grow that wealth for generations. We're not investing for the next quarter; we're building wealth that lasts."
"As an independent advisor for incorporated professionals and their families, I've spent my career on the challenges you face: passive income rules, structure, 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. 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.