Corporate Investment Advisor Montréal: For Incorporated Business Owners

We help incorporated business owners in Montréal and across Québec structure corporate investments, business insurance, and tax-smart strategies:so your surplus cash compounds for decades, not quarters.

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Why Corporate Investing and Business Insurance Matter in Québec

As an incorporated business owner in Montréal and across Québec, your corporate investment strategy and business insurance needs must account for provincial tax rates, integration rules, and the unique opportunities available to Canadian-controlled private corporations (CCPCs).

Whether you're looking for a corporate investment advisor in Montréal, need business insurance in Montréal, or want to understand corporate life insurance strategies, we provide independent guidance that coordinates with your existing professional team.

Québec-Specific Tax Context

Small Business Deduction (SBD):

Limit: $500,000 of active business income
Combined federal + Québec rate: ~12% (2024)
General corporate rate: ~26.5%

The SBD "Grind": When passive investment income exceeds $50,000, your small business deduction is reduced. Learn more about how the SBD grind works and how to structure your portfolio to minimize its impact.

Key Québec Considerations

Tax integration: Québec's dividend tax credit system affects how you extract corporate wealth. Understanding tax integration helps you coordinate corporate and personal accounts.
RDTOH & GRIP: Refundable tax mechanisms work the same federally, but Québec's dividend tax rates affect the optimal timing of dividend payments. See our guide on RDTOH & GRIP.
CDA opportunities: The Capital Dividend Account (CDA) is one of the most powerful tax-sheltering tools for Québec corporations. Learn about CDA strategies.
Estate strategy: Québec's civil law system and notarial requirements create unique estate strategy considerations. Estate freezes and HoldCo/OpCo structures are particularly valuable for Québec business owners.

Our Approach for Montréal Business Owners

1. Structure First

We design corporate investment portfolios that respect Québec's tax realities. This means prioritizing efficient income types (capital gains over interest), using corporate-class funds where appropriate, and coordinating with your CPA to optimize timing.

2. Business Insurance Coordination

For Montréal business owners, we help coordinate business insurance strategies:including corporate life insurance, key person insurance, and buy-sell agreement funding:that complement your corporate investment strategy. These tools can provide tax-sheltered growth, protect business continuity, and create estate strategy opportunities through the Capital Dividend Account (CDA).

3. Independent Research

We're brand-agnostic, researching across all major providers:banks, insurers, and independent fund families:to find the best fit for your objectives and constraints. See our comparison of bank vs. independent providers.

4. Long-Term Discipline

We build portfolios designed for decades, not quarters. This means focusing on after-tax returns, maintaining liquidity for operations, and structuring for multi-generational wealth transfer.

Who We Work With

As a corporate investment advisor in Montréal and financial advisor for business owners, our approach works best for incorporated business owners in Montréal and across Québec who:

Have surplus corporate cash available for investment
Need business insurance or corporate life insurance strategies
Think in decades, not quarters
Value structure and tax efficiency over speculation
Already work with capable professionals (CPA, notary, lawyer)
Want an independent, thoughtful partner:not a product salesperson

Services for Montréal Business Owners

We provide independent guidance on:

Corporate Investing: Structuring corporate investment portfolios to minimize tax drag, protect the Small Business Deduction, and compound wealth over decades
Business Insurance: Corporate life insurance, key person insurance, buy-sell agreement funding, and group benefits for small businesses
Tax Optimization: Coordinating income types, timing, and structures across corporate, personal, and insurance accounts
Estate & Legacy Planning: Estate freezes, HoldCo/OpCo structures, and multi-generational wealth transfer strategies

Coordination with Your Professional Team

We regularly coordinate with CPAs, notaries, and lawyers in Montréal and across Québec to ensure that:

Corporate investment strategies align with your tax strategy
Business insurance strategies complement your corporate structure
HoldCo/OpCo structures are properly implemented
Estate freezes and succession strategies integrate with investment accounts
Insurance strategies (corporate-owned life insurance) complement your overall plan

This coordination is essential:we don't replace your existing professionals; we work alongside them to create a cohesive strategy.

Getting Started

If you're an incorporated business owner in Montréal or across Québec, start by:

Explore our articles: Read our educational guides on corporate investing, tax strategies, and estate strategy
Learn more: Review our case studies