Related to Mutual Funds Related to Insurance
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.

Corporate Investing, Insurance & Tax Strategies

Corporate investing, life insurance, tax strategies, estate & legacy, group benefits, and personal integration for incorporated owners in Montréal and Toronto.

Our services for owner-managers

Mutual Fund Investing

Mutual funds offered through WhiteHaven Securities Inc., integrated with our insurance services to provide a coordinated approach to corporate wealth management.

Learn more about corporate investing

Corporate Cash & Investments

Keep reserves liquid but still earning, put surplus to work, and grow wealth with a disciplined, data-driven approach.

Learn more about corporate accounts

Life Insurance for Business Owners

Access virtually all major insurers, with independent comparisons of products and guarantees. Segregated funds and insurance solutions through iAssure Inc. help fund buy–sell agreements, protect key people, build tax-sheltered assets, and support long-term succession strategies.

Learn about our life insurance process

Personal Insurance & Investments

Align personal finances with the corporate plan. Independent research across accounts and insurers to protect family wealth and optimize long-term value.

Read more on personal needs

Tax Optimization for Business Owners

Optimize after-tax returns across corporate investments, insurance strategies, and personal accounts. Use efficient income types, tax-sheltering tools, and coordinated structures to grow and protect wealth for today and the next generation.

Explore tax-smart strategies

Group Benefits

Lean, transparent benefit plans that help you attract and retain talent, strengthen culture, and align employee well-being with long-term owner strategy.

Learn about group benefits

Next steps

If you're interested in exploring these services, you might want to read our articles to see if this approach is a fit.

Resources

Corporate Investing, Tax Strategies, Insurance, Group Benefits

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 WhiteHaven Securities 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 WhiteHaven Securities 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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