As a Canadian business owner, your company is likely your largest asset — but it should not be your only source of wealth. Too many successful business owners reach retirement age with most of their net worth locked inside a business that is difficult to sell, illiquid, and concentrated in a single asset. Comprehensive financial planning for business owners means building diversified wealth outside the business while optimizing the tax efficiency of the business itself.
| Planning Area | Key Questions | SG Wealth Solution |
|---|---|---|
| Corporate structure | Is your structure optimized for tax and protection? | Incorporation and restructuring |
| Compensation strategy | Salary, dividends, or both? How much to retain? | Owner compensation optimization |
| Risk management | What happens if you cannot work? If a partner dies? | Comprehensive risk management |
| Retirement planning | When can you exit? What income will you need? | Retirement income planning |
| Succession/exit | Sell? Transfer to family? Wind down? | Succession planning |
| Estate planning | How to transfer wealth tax-efficiently? | Estate planning |
Whether you own a professional practice, a manufacturing company, a tech startup, or a family enterprise, SG Wealth Management provides the specialized guidance that business owners need. Book a discovery call to discuss your situation.