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Protection & Wealth

Personal Insurance & Wealth Management

Two complementary disciplines — one protects what you have built, the other grows it and transfers it. Together, they form the backbone of a complete financial strategy for entrepreneurs and professionals in Montreal.

Personal Insurance

A bespoke financial armour

01

Term & Permanent Life Insurance

We determine together the type, amount, and structure that match your protection and estate planning objectives.

02

Disability Insurance

Your income is your most valuable asset. For incorporated professionals, disability protection is an absolute necessity with own-occupation definition.

03

Critical Illness

A lump-sum payment upon surviving a covered condition — freely usable for care, compensating income loss, or maintaining your lifestyle.

04

Long-Term Care

The least planned for, but among the most important as retirement approaches. Fund your care without eroding your estate.

05

Corporate-Owned Life Insurance

Tax-privileged accumulation inside your corporation — cash value grows tax-sheltered, transferred via the Capital Dividend Account (CDA).

06

Key Person Insurance

Protect your business against the loss of an indispensable individual. Ensure operational continuity and reassure your partners and creditors.

Retirement planning for business owners in Montreal
Retirement Planning
"The right time to plan for retirement is now."

Pre-Retirement

Transforming your capital into sustainable income

The transition to retirement is one of the most complex financial decisions. We orchestrate your decumulation to maximize your after-tax income, minimize risks, and preserve what you wish to transfer.

Optimized decumulation strategy (RRSP/RRIF, TFSA, corporate income)
Retirement income splitting to reduce your tax bill
Sun Life segregated funds with capital guarantees at maturity and death
Coordination with QPP / CPP and Old Age Security
Protection against longevity risk — never outliving your money

Wealth Management

Build, grow, transfer

Registered & Non-Registered Savings

Optimization of all your savings vehicles for maximum after-tax growth — tailored to your personal and corporate situation.

RRSPTFSARRIFRESPIPP

Sun Life Segregated Funds

Market growth with the guarantees of an insurance contract — capital protection, potential creditor protection, beneficiary designation bypassing probate.

Capital GuaranteeCreditor ProtectionBeneficiary Designation

Tax Planning

Strategies coordinated with your accountant to minimize your annual tax bill and estate taxes — incorporated individuals and corporations.

Income SplittingCDACEEA

Estate Planning

Transfer your wealth in an orderly, tax-efficient manner that respects your wishes — in collaboration with your notary and accountant.

WillEstate FreezeFamily Trust

Frequently Asked Questions

Insurance & wealth — your questions

Term life insurance provides coverage for a defined period at a lower initial cost — ideal for covering a business loan. Permanent life insurance offers lifetime coverage and accumulates cash value you can use or transfer through your corporation in a tax-advantaged manner.
Life insurance held by your corporation allows tax-sheltered cash value accumulation inside your business. At death, excess death benefit can be paid to shareholders through the Capital Dividend Account (CDA), tax-free — one of the most effective strategies for incorporated business owners in Quebec.
An IPP is a defined benefit pension plan for incorporated business owners, allowing significantly higher contributions than the RRSP — particularly advantageous for owners aged 45+. Contributions are deductible by the corporation and assets are protected from creditors.
Incorporated professionals need disability insurance with an own-occupation definition, protection of corporate income in addition to personal income, and coverage of fixed office expenses. We structure solutions tailored to physicians, dentists, lawyers, and accountants in Montreal.
An estate freeze crystallizes the current value of your business shares to transfer future growth to the next generation. It minimizes capital gains tax at death and facilitates business succession. Ideally implemented well before the sale or transfer of the business.
Segregated funds can benefit from creditor protection when a protected class beneficiary is designated (spouse, child, grandchild, parent). Particularly valuable for entrepreneurs whose assets may be at risk.

Your situation is unique. So is our approach.

First meeting confidential, free of charge, no obligation. We listen before we recommend.

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