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Business

Strategies for owners whose business is the balance sheet

When most of your net worth sits inside a corporation, personal and corporate planning cannot be handled separately. Investco advisors work on both sides of that line.

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Business solutions

Where owners typically start

01Corporate insuranceKey person, buy-sell funding and corporately owned permanent policies.02Shareholder strategiesFunding shareholder agreements so a buyout can actually be completed.03Business continuityWhat happens to the business if an owner dies or becomes disabled.04Group benefitsHealth, dental and disability plans for your team.05Executive benefitsRetention and reward strategies for key people.06Corporate retirementIPPs, RRSP matching and corporate savings structures.07Succession planningTransitioning ownership to family, management or a third party.08Corporate tax strategiesInsurance and investment structures reviewed alongside your accountant.

How we work with owners and their advisors

Business planning rarely happens in isolation. Your accountant, lawyer and lender each hold part of the picture. Investco's role is the insurance and wealth side, coordinated with the professionals you already trust.

We start by understanding the corporate structure, the shareholder agreement if one exists, the retained earnings position and the people the business depends on. From there we identify what is exposed and what can be improved.

Recommendations are documented with the reasoning behind them so your accountant and lawyer can review before anything is implemented.

Review your corporate structure with an advisor

Bring your accountant into the first conversation if that's easier — we're comfortable working that way.

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Corporate strategies involve legal and tax considerations specific to your structure. Investco Financial does not provide legal or accounting advice; recommendations should be reviewed with your lawyer and accountant before implementation.