For Canadian Business Owners & Professionals with $1,000,000+ in Investable Assets, or $100k+ Yearly Contributable Capital
It May Be Costing You By Not Knowing These 5 Financial Strategies
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For Confidentiality, Names Have Been Changed. Examples Are Educational. Results Vary On Individual Circumstances.
What's Inside:
How this example case adds $2,640,000 net estate with 4 coordinated changes
Why an IPP offers more contributory room than an RRSP after age 40
The portfolio shift you can safely make after you have a pension floor in place
How corporate life insurance adds to your estate tax-free through the Capital Dividend Account
53%
Increase in
net estate value
$500K+
Saved in tax on
business sale
$155K
Guaranteed annual
income for life
How four coordinated strategies
transformed this case's outcome
Frank and Isabel came to us with a solid financial picture — and a set of questions most business owners face. Here's exactly what we did, and what it meant for their retirement.
Reorganize to access the Capital Gains Exemption
Ownership through a holding company blocked access to the Lifetime Capital Gains Exemption. By amalgamating the holdco with the operating company and establishing a trust structure, both Frank and Isabel gained direct access — saving over $500,000 in tax on the business sale and boosting their net estate from $4.9M to $6.54M.
Add an Individual Pension Plan (IPP)
Millwork co. made large past-service contributions ($304K each) to IPPs for Frank and Isabel — fully tax-deductible to the corporation. At retirement, accumulated IPP assets convert to life annuities providing $155,000 per year in guaranteed income, eliminating longevity risk.
Shift portfolio & delay CPP to age 70
With a guaranteed pension floor in place, Frank and Isabel's risk tolerance increased. Greater equity exposure improved tax efficiency and inflation protection on non-registered investments. Delaying CPP until 70 provides a permanent 42% higher benefit for life.
Add corporate life insurance
Exempt permanent insurance held in the corporation grows tax-sheltered and transfers to the estate via the Capital Dividend Account — bypassing both corporate and personal tax. The result: a larger, more protected legacy for their children.
What we uncover together
Four areas most business owners
don't have fully coordinated
Income stream coordination
RRIF, TFSA, corporate dividends, pensions, and non-registered investments — sequenced to minimize tax and make your money work together, not against each other.
Tax minimization & OAS protection
Income structuring that protects your OAS and CPP benefits, and manages registered withdrawals so you keep more of what you've earned over a lifetime.
Corporate Structure Assesment
The system designed around your operating business, holding companies, and trusts allow for more security in wealth preservation and tax efficiency.
Legacy & estate protection
Estate planning today by making subtle adjustments will help your estate avoid loss due to heavy taxation, which can interrupt succession of your business & inheritance for your heirs.
meet the Team
Alastair Seabrook, CFP, RRC
Partner & Senior Financial Consultant
Alastair works with professionals, business owners, and high-net-worth families to bring structure and clarity to complex financial lives. His approach is meticulous and detail-driven — building long-term, integrated strategies that connect investment planning, tax efficiency, retirement income, and estate considerations into one coherent plan.
Where clients often face noise, competing advice, or unexamined assumptions, Alastair brings precision. He takes a comprehensive view of each household's financial picture and focuses on optimizing outcomes at every stage of wealth accumulation and transition.
Matthew Sheppard-Brown, CFP, RRC
Partner & Senior Financial Consultant
Matthew brings a relationship-first, big-picture perspective to wealth planning. He works closely with business owners, professionals, and families to help them build, protect, and transition their wealth with clarity — and without the friction of fragmented advice.
His philosophy is simple: strong financial plans begin by understanding the full picture. Goals, income, assets, risks, and family priorities all belong in the same conversation. Based in Calgary, Matthew specializes in retirement planning, insurance strategy, family wealth planning, and business owner solutions, delivered through a collaborative and practical planning process.
The People Behind Your Plan
We are a team of specialists, not generalists. Every client engagement draws on integrated expertise across financial planning, estate strategy, insurance, and practice operations — all working from the same coordinated plan.
About The Practice
Built for Complexity. Designed for Confidence.
We work with professionals, business owners, and established families who face complex financial decisions and carry significant financial responsibility. Our role is to bring structure to that complexity.
We integrate investment planning, tax strategy, retirement design, insurance, and estate considerations into one coordinated system — then stress-test it against real-world risk so you can move forward with confidence rather than assumption.
We believe major financial decisions deserve to be examined, not assumed. That's why we challenge conventional thinking and build plans that hold up — not just in ideal conditions, but in the ones you didn't plan for.
Our Private Wealth Planning Experience is designed for those with:
$1,000,000+ in portfolio value, or
$100,000+ in annual available cash flow to allocate toward financial goals
Do Our Services Apply To You?
This resource is designed specifically for successful business owners and professionals who:
Have $1,000,000+ in investable assets, and/or $100,000+ in annual surplus
Own a business or hold a senior professional role
Are thinking seriously about retirement, succession, or legacy planning
Feel their current advisors may not be fully coordinated
Value thoughtful, relationship-based advice over product-driven recommendations.
This checklist is provided for educational purposes only and does not constitute financial, investment, legal, or tax advice. Services are provided through IG Wealth Management. Past performance is no guarantee of future results.