I help Calgary business owners turn decades of building something real into a tax-efficient, well-protected retirement — whether that means selling, passing it down, or winding it down on your own terms.
Most retirement advice is generic and assumes a pension and a fixed date. Business owners face a different set of decisions — what your business is actually worth, how to extract that value tax-efficiently, and what comes next. Here’s where I typically step in.
Most of what you earn goes back into the business. Retirement planning feels premature, but the structures you set up now — how you hold assets, how you pay yourself — determine how much flexibility you have later.
Your net worth is concentrated in one asset: the business itself. This is when we start building a plan that doesn’t depend entirely on a successful sale years from now, and start separating personal wealth from business risk.
Business valuation, buyer readiness, family succession, and the tax consequences of each path. We model the real numbers behind each option so you’re deciding with facts, not just instinct.
Corporate wind-down, estate and legacy planning, and converting business equity into reliable personal income — mapped out well before your last day running the business, not scrambled together at it.
Each on its own is useful. Together, they’re what actually turns your business into a funded retirement.
Corporate and personal retirement income planning that doesn’t leave your future entirely dependent on how well the business sells.
Whether you’re selling, passing it to family, or winding it down, we build the plan around real numbers and a realistic timeline, not guesswork.
Wills, trusts and estate strategy coordinated with your lawyer so more of what you’ve built goes where you intend it to.
Income splitting, holding company structures, and tax-efficient corporate wind-down strategies designed for your specific business structure.
A free, no-obligation conversation about where you are and what you’re trying to solve.
I map your full financial picture — corporate and personal — into one coordinated strategy.
I work directly with your accountant and lawyer so every recommendation fits your full situation.
Your plan is reviewed and adjusted as your business, income and goals evolve.
Owns multiple businesses in Calgary. Wanted a financial planner who could bring the same clarity to his personal and business finances that he brings to running his companies.
Depending on the service, I’m compensated by fee, by commission when insurance or investment products are involved, or a combination of both. What matters is that you’ll always know upfront exactly how I’m paid and why a recommendation is being made, before you decide anything.
Ideally five to ten years before you plan to step back. Succession, sale value, and corporate wind-down decisions take years to set up properly, and rushing them at the end usually costs you money and options.
No. While incorporated professionals are one focus, we work with business owners across many industries who are approaching retirement and need to turn what they built into a reliable, tax-efficient income.
It depends on the service. Planning work is fee-based, and where insurance or investment products are involved, I may also be compensated by commission. Either way, you will always know upfront exactly how I am paid before we move forward, so there are no surprises.
Yes. We offer both in-person meetings at our Calgary office and virtual consultations by video call, whichever fits your schedule.
That depends on your goals, your family’s involvement in the business, and the numbers behind each path. We model both scenarios against your retirement income needs so the decision is based on what actually funds your retirement, not just what feels right in the moment.
A free, no-obligation consultation is the first step. In-person at our Calgary office, or virtual — whichever works for your schedule.
