Securing the Continuity of Enterprise.
Licensed Ontario Life & A&S Insurance Broker — independent advisory on tax-efficient COLI structures, robust buy-sell agreements, and disability coverage for solo professionals, Medical Professional Corporations, and corporate groups.
Jurisdiction
Licensed in Ontario · Serving Corporations Province-Wide
Regulator
FSRA Licensed Life & A&S Broker
Framework
Income Tax Act (Canada) · CDA Planning
Clients
Ontario-based CCPCs & Owner-Managers
Core Expertise
Precision-engineered insurance vehicles for complex corporate environments.
Corporate-Owned Life Insurance
Tax-advantaged strategies designed to recover the costs of employee benefits, fund executive deferred compensation, and offset liabilities associated with key person loss.
- Asset-Liability Matching
- Cash Value Accumulation
- Key Person Protection
Buy-Sell Agreement Funding
Ensuring the orderly transfer of ownership interests. We provide the liquid capital necessary to execute redemption or cross-purchase agreements without straining cash flow.
- Entity Purchase Plans
- Cross-Purchase Arrangements
- Valuation Funding Strategies
Disability Insurance
Income protection for solo professionals and corporate groups. Short-term, long-term, and business overhead expense coverage that keeps operations alive when you cannot work.
- Solo Professional Coverage
- Group Long-Term Disability
- Business Overhead Expense
Executive Intelligence
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Tax Strategy
The Capital Dividend Account: Turning a Death Benefit into a Tax-Free Distribution
How corporately-owned permanent insurance credits the CDA under s. 89(1) — and the T2054 / Schedule 89 filing discipline that keeps the Part III penalty off the table.
Buy-Sell
Holdco Cross-Purchase vs. Corporate Share Redemption
ACB step-up, N(N−1) policy sprawl, creditor exposure, and the post-mortem path — choosing the right structure for an Ontario CCPC with multiple principals.
Passive Income
Sheltering AAII: Protecting the Small Business Deduction in 2026
Every C$1 of passive income above C$50K grinds the SBD by C$5. Exempt-test policy growth sits outside the AAII calculation — here is how to use that, structurally.
Discreet Consultation
Strategic insurance decisions require nuance and absolute confidentiality. Schedule a confidential preliminary review.