Your business makes money. But is it actually building financial security for you and your family?
In plain words: we turn what the business earns into security for your family.
Owner’s Pay & Protection Session: 90 minutes, $450 flat, by phone or video.
Established, busy, and paying yourself last.
- In business 2+ years with repeat customers
- Revenue is up but your personal savings aren’t
- No pension, no group plan, maybe no disability coverage
- You’d like the business to fund your retirement, but there’s no plan for that yet
Incorporated or a sole proprietor, this page is for you. Brand-new businesses still finding their first customers should start with the free Clarity Session instead.
Separating business success from personal security.
In plain words: how you pay yourself, what protects you, and how you retire.
- Paying yourself: a steady personal income from uneven business cash flow, with tax and emergency reserves set aside first
- Salary, dividends and retained earnings: the trade-offs, laid out so your accountant can confirm the numbers
- Wealth outside the business: retirement savings that don’t depend on selling the company
- Protection: what happens to your income, your family and the business if you can’t work (disability, critical illness, life, key person and partner coverage)
- Your exit: what the business would need to be worth to fund your retirement, and who needs to be at the table
- Beneficiaries and estate basics, coordinated with your lawyer
Four things you keep.
- Your Owner’s Money MapBusiness cash flow, personal pay, reserves and savings on one page
- A written 5-to-20-year action planIn order
- The questions to bring to your accountant and lawyerSo their time costs you less
- A follow-up check-inWithin 30 days
One flat price. No surprises.
In plain words: you know the cost before you book, and you can cancel for a full refund.
$450Owner’s Pay & Protection Session · 90 min · CAD, taxes included
Payment is taken when you book. After that:
- Cancel or reschedule any time before your session: full refund.
- Missed session, with a reason given within 24 hours: 85% refunded (15% fee).
- Missed session with no notice or reason: 50% refunded (50% fee).
Strategies discussed may involve life insurance products. Illustrations are hypothetical and not guarantees. Tax treatment depends on your situation and current tax rules.
Tax and legal decisions stay with your accountant and lawyer.
I work alongside them, not instead of them. I’m a Licensed Advisor, not an accountant or a lawyer. I’ll lay out the trade-offs and the questions; your accountant confirms the numbers and your lawyer handles the documents.
Start with a free conversation.
The free 30-minute Clarity Session is the front door. If the Owner’s Pay & Protection Session is the right next step, I’ll tell you. Owners who already know they want the full plan can book it directly.
Free · 30 minutes · no obligation