For Canadian Business Owners & Professionals with $1,000,000+ in Investable Assets
Your Financial Life Is Complex. Your Plan Should
Be Built For It.
Uncover if your financial strategy is truly aligned
What This Checklist Helps You Uncover
A quick assessment to see whether your business, investments, tax planning, and long-term strategies are truly aligned—or leaving gaps.
No sales pitch. Just clarity around how your wealth is structured today.
1. Income Stream Simplification & Coordination
A step-by-step breakdown of how to consolidate and sequence income sources — RRIF, LIF, TFSA, Corporate Dividends, Pensions, Non-Registered investments — into a strategy that makes your money work together, not against each other.
Withdrawal Strategy: A structured drawdown plan designed to make sure your savings last, rather than simply sitting in accounts waiting to be taxed.
2. Tax Minimization & Benefit Optimization
The Clawback Defense: Income structuring strategies to protect your Old Age Security (OAS) and Canada Pension Plan (CPP) — helping you access potentially over $1.5 million in lifetime government benefits that poor planning leaves on the table.
Tax-Efficient Decumulation: Targeted methods to manage registered and non-registered withdrawals so you keep more of what you've earned.
3. The "Three Phases" of Retirement
Retirement isn't a single event — and a serious plan doesn't treat it as one. We plan across all three stages:
●Early & Active Retirement — Funding lifestyle, travel, and peak activity
●Mid-Retirement — Adjusting strategy as spending patterns shift
● Late Life — Planning for medical costs, care facilities, and evolving family needs
4. Legacy & Estate Protection
The 50% Defense: Without deliberate estate planning, your beneficiaries can lose up to 50% of your accumulated wealth to taxes at death. We implement specific strategies to change that outcome.
Intergenerational Wealth Transfer: Coordinating the "sharing your wealth" dimension of your Living Plan to ensure assets pass efficiently to the people and causes that matter to you.
5. Risk & Return Calibration
Portfolio Management: Techniques to reduce investment risk while still incareasing returns to support a long retirement.
Unexpected Events: Preparing for financial shocks or health changes that could derail the plan.
Your Retirement Doesn't Just Wait For You. Start Planning Now
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
meet the Team
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.
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, 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.
Built on 120+ Years of Financial Partnership
Is This Checklist Right For You?
This resource is designed specifically for successful professionals who:
Have $1,000,000+ in investable assets
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.