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.

Who We Work With | Ideal Client Profile for Corporate Investing & Insurance

We work with first-generation successful business owners who value structure, coordination, and long-term thinking. Learn if this approach is a fit for you.

Why this is important

  • We work with first-generation successful business owners who value structure, coordination, and long-term thinking.
  • Our ideal clients think in decades, not quarters, and are building wealth meant to last across generations.
  • This approach is not for everyone, and that clarity helps attract the right clients.

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

Summary

We work with thoughtful, values-driven incorporated business owners who understand that wealth is built through structure, discipline, and coordination, not through chasing trends or timing markets. This page helps you determine if this approach is a fit.

Not every business owner is a good fit for this approach. That clarity is intentional. Better to identify a mismatch early than waste time on both sides.

This page describes the business owners I work with best. If this resonates with you, we'll likely work well together. If not, that's useful information too.

Our Ideal Client Profile

After 20 years in this field, I've learned that the most meaningful work happens with business owners who share certain characteristics, not just demographics, but values, mindset, and approach to wealth.

The Business Owner I Work With Best

Demographics:

  • 40-60 years old, in good health, active
  • First-generation successful business owner
  • Incorporated business (CCPC) in Québec or Ontario
  • Ideally has HoldCo structure already in place
  • Currently investing through banks or other advisors
  • Kids ideally 13+ years old, private schools
  • Living in suburbs, healthy family relationships
  • Supportive spouse, possibly involved in family business

Values & Mindset:

  • Values honesty, loyalty, and long-term thinking
  • Not chasing the latest shiny thing
  • Thinks in decades, not quarters
  • Building something meant to last
  • Planning for the next generation
  • Respects structure and discipline
  • Wants coordination, not replacement of existing professionals

Financial Situation:

  • $3-4M+ investable assets (or on path to this)
  • Surplus corporate cash available for investment
  • Accumulated savings in corporation
  • Long-term perspective (5+ years, ideally 10+)

This Is For You If...

You Think in Decades, Not Quarters

You're building something meant to last across generations, not optimizing for this year's tax return or this quarter's performance. You understand that small differences in structure and tax efficiency compound significantly over time.

You Value Structure Over Speculation

You understand that sustainable wealth comes from systematic, tax-efficient strategies, not market timing or hot tips. You respect discipline and structure, and you want your investments managed the same way you run your business.

You Care About the Example You Set

You want the next generation to learn good habits: discipline, structure, long-term thinking, not just inherit money. The decisions you make today teach your children how to think about wealth.

You Want Coordination, Not Replacement

You have capable professionals (CPA, lawyer, notary), and you want someone who coordinates with them, not replaces them. You value the team approach and understand that different professionals bring different expertise.

You Want to Understand the "Why"

You're not looking to delegate blindly. You want to understand the reasoning behind recommendations, the trade-offs involved, and how decisions fit into your overall strategy. Education enables better decisions.

You Dislike Hype and Financial Theatre

You prefer calm competence over charisma. You value honesty over salesmanship. You want straightforward explanations, not marketing language. You respect professionals who say "I don't know" when appropriate.

You're Planning for the Next Generation

You're thinking about how to transfer wealth, how to teach your children about money, and how to build structures that survive transitions. This isn't just about your retirement. It's about building something that lasts.

This Is NOT For You If...

This approach is not a good fit if you:

Want Fast Answers and Quick Fixes

Durable strategies take time to design and implement. If you're looking for immediate solutions without understanding the reasoning, this won't be a good fit.

Prefer Short-Term Optimization

We focus on long-term compounding, not quarterly performance. If you're optimizing for this year's tax return or chasing short-term gains, this approach won't align.

Want Transactional Advice

This is a relationship-based approach, not a product-sales model. If you're looking for one-time transactions or quick product recommendations, this won't be a good fit.

Don't Want to Understand the Strategy

We explain the "why" behind recommendations. If you prefer to delegate entirely without understanding, or if detailed explanations feel overwhelming, this won't be a good fit.

Are Looking for Guarantees or Promises

We work with probabilities and structures, not certainties. If you're looking for guaranteed returns or promises about outcomes, this approach won't meet those expectations.

Want to Replace Your CPA or Lawyer

We coordinate with your existing professionals, not replace them. If you're looking for someone to take over all professional relationships, this won't be a good fit.

Are Chasing the Latest Trend

If you're interested in crypto, options trading, day trading, or other speculative strategies as your primary approach, this won't be a good fit. We focus on structure and discipline, not speculation.

Change Advisors Frequently

This is a long-term relationship approach. If you change advisors every 2-3 years or are looking for someone to "beat the market," this won't be a good fit.

That clarity is intentional. Better to identify a mismatch early than waste time on both sides.

Why This Clarity Matters

Most financial advisors try to appeal to everyone. That's a mistake.

When you try to be everything to everyone, you end up being nothing special to anyone. The business owners I work with best are the ones who value:

  • Honesty over hype: Straightforward explanations, not marketing language
  • Structure over speculation: Systematic approaches, not market timing
  • Coordination over competition: Working with your team, not replacing it
  • Long-term over short-term: Decades, not quarters
  • Education over sales: Understanding the "why," not just the "what"

If you share these values, we'll likely work well together. If not, that's useful information, and there are other advisors who might be a better fit.

The goal isn't to work with everyone. The goal is to work with the right clients, the ones who value what we do and who we can help most effectively.

What Makes This Different

Most advisors focus on products and performance. We focus on structure, coordination, and long-term thinking.

What We Do

  • Focus on structure and coordination
  • Think in decades, not quarters
  • Coordinate with your CPA/lawyer
  • Educate and explain
  • Document decisions and reasoning
  • Build long-term relationships

What We Don't Do

  • Chase quarterly performance
  • Replace your existing professionals
  • Make promises or guarantees
  • Use hype or urgency tactics
  • Focus on products over structure
  • Provide transactional advice

Next Steps

If this resonates with you:

  • Read some of our articles to see if the approach and depth feel right
  • Review our process to understand how we work together
  • Check out our case studies to see examples of how we've helped similar business owners
  • If this resonates after reading, here's how to reach out

If this doesn't resonate, that's useful information too. There are many advisors out there, and finding the right fit matters more than finding any advisor.

The goal isn't to work with everyone. The goal is to work with the right clients, the ones who value what we do and who we can help most effectively.

Next steps

Choose one service to start, or request a structure review and we'll map where the highest-value improvements are: corporate cash, tax opportunities, or risk protection.

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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