Disclosure. I am a licensed Financial Security Advisor, Mutual Fund Representative, and Group Insurance & Annuity Plans Advisor. I am not a lawyer, tax lawyer, or accountant. I discuss taxes only as they relate to specific insurance, investment, and estate strategies; I do not provide general tax optimization or comprehensive financial planning. Content is educational only. Mutual funds offered through WhiteHaven Securities Inc. Insurance products offered through iAssure Inc. Coordinate decisions with your CPA, notary, or lawyer. See Disclaimer and Privacy.

Is This For You? | Self-Qualification Tool for Business Owners

Take a quick self-assessment to determine if our approach to corporate investing and insurance strategies is a fit for your situation and values.

Why this is important

  • This self-assessment helps you determine if our approach is a fit.
  • Honest answers lead to better outcomes for everyone.
  • Not every business owner is a good fit:and that's okay.

If this resonates, you might want to read more articles.

Summary

Take a few minutes to assess whether our approach to corporate investing and insurance strategies aligns with your values, situation, and goals. This self-qualification tool helps both of us determine if we're a good fit.

Not every business owner is a good fit for this approach. This self-assessment helps you determine if we might work well together:and saves both of us time if we're not a match.

Be honest with your answers. The goal isn't to "pass" the assessment:it's to determine if this approach aligns with your values, situation, and goals.

Self-Assessment Questions

1. What's your time horizon for corporate investments?

2. How do you prefer to work with advisors?

3. What matters most to you in wealth management?

4. How do you view your relationship with your CPA and lawyer?

5. What's your approach to financial decisions?

6. How do you feel about financial hype and marketing language?

7. What's your primary goal for corporate wealth?

Understanding Your Results

This assessment is a starting point, not a final answer. The questions are designed to help you think about:

  • Time horizon: Do you think in decades or quarters?
  • Learning style: Do you want to understand the "why" or prefer to delegate?
  • Values alignment: Do you value structure, coordination, and long-term thinking?
  • Approach: Do you prefer calm competence or exciting opportunities?

If your answers suggest this might be a fit, the next step is a conversation. If not, that's useful information:there are many advisors out there, and finding the right fit matters.

Next Steps

If This Might Be a Fit

If This Doesn't Seem Like a Fit

That's okay. There are many advisors out there with different approaches. Finding the right fit matters more than finding any advisor.

If you're looking for something different, consider:

  • Advisors who focus on short-term optimization
  • Advisors who provide transactional advice
  • Advisors who offer guarantees or promises
  • Advisors who replace rather than coordinate with your existing professionals

Full Disclosure.

This content is for information and education only. It explains general concepts that may apply to incorporated business owners, but it is not personalized tax, legal, or investment advice.

Tax Considerations:

  • Tax rules are complex and subject to change
  • Strategies and benefits depend on your specific circumstances, province, and business structure
  • Always consult with a qualified CPA before implementing any tax strategy
  • Provincial variations in rates and rules may apply (Québec vs. Ontario differences exist)
  • Past tax treatment does not guarantee future treatment

Investment Risk Disclosure:

  • Investing involves risk, including the possible loss of principal
  • There is no guarantee that any investment strategy will achieve its objectives
  • Investment values fluctuate with market conditions, and you may receive less than you originally invested
  • Tax efficiency is one factor; risk, fees, and total returns all matter
  • Past performance does not guarantee future results

Insurance Illustrations:

  • Insurance illustrations show projected values based on assumptions that may not be guaranteed
  • Actual results will vary based on factors including interest rates, mortality experience, and expenses
  • Non-guaranteed elements (such as dividends or credited interest rates) are not promises of future performance
  • Review both guaranteed and non-guaranteed projections with your advisor before making decisions

Content Accuracy:

  • We strive to ensure information is accurate and current, but laws and regulations change frequently
  • Information reflects our understanding at the time of publication and may not reflect subsequent changes
  • If you believe any content contains an error, please contact us

Regulatory:

  • Mutual funds are offered through Valeurs Mobilières WhiteHaven Inc.
  • Insurance products and certain other services are provided through iAssure Inc., an independent firm in the insurance of persons and in the group insurance of persons
  • These activities are neither the business nor the responsibility of Valeurs Mobilières WhiteHaven Inc.

Professional Advice:

  • This article is not a substitute for professional advice from your CPA, lawyer, or financial advisor
  • Work with your professional team to understand how these concepts apply to your specific situation
  • For personalized advice, a formal engagement and suitability review are required

See Disclaimer and Privacy Policy for details.

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