Strategic Wealth Management for Business Owners
Building a successful business requires vision and dedication. Maximizing the wealth it creates—while protecting it from taxes and creditors—requires specialized expertise. At Heart Wealth Management Group, we help business owners optimize their corporate and personal wealth strategies.
Why Business Owners Choose Us
Corporate Tax Optimization: Maximizing after-tax returns in holding companies, professional corporations, and complex ownership structures.
Succession & Exit Planning: From growth strategies to eventual sale, we help build enterprise value while preparing for your next chapter.
Integrated Approach: Coordinating business, corporate, and personal wealth strategies to ensure every decision supports your overall goals.
Our Services
Corporate Strategies
- Holding company investment programs and tax optimization
- Individual Pension Plans (IPPs) for maximum retirement savings
- Stock option planning and exercise strategies
- Key person insurance and group benefits
Business Planning
- Succession and continuity planning
- Creditor protection for business and personal assets
- Business valuation and sale preparation
- Tax-efficient exit strategies and capital gains planning
Educational Resources
Individual Pension Plans: Superior Retirement Strategies
Watch April explain how IPPs provide superior retirement savings compared to RRSPs for incorporated business owners.
Advanced Tax Strategies for Business Owners
Discover sophisticated tax planning strategies that can significantly reduce your corporate and personal tax burden.
IPP Key Benefits
For incorporated business owners and professionals, Individual Pension Plans offer:
- Higher contribution room than RRSPs (increases with age)
- Significant past service catch-up opportunities
- Tax-deductible employer contributions and expenses
- Superior creditor protection vs. personal RRSPs
- Income splitting and spousal benefits at age 50
- Additional funding flexibility for investment shortfalls
Who We Serve
Incorporated Professionals: Doctors, lawyers, consultants with professional corporations seeking tax optimization.
Successful Entrepreneurs: Business owners building enterprise value while planning succession or sale.
High-Net-Worth Executives: Senior executives with stock options and complex compensation structures.
Schedule Your Consultation
Your business success deserves sophisticated wealth strategies. Let us show you how proper planning can significantly enhance your after-tax wealth.
Contact Us:
Email: heart.wealth@raymondjames.ca
Free Resources: Request our "Business Owner's Tax Optimization Guide"
