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Business Owner Planning

Plan for the owner, not just the business.

Financial planning considerations for incorporated professionals and business owners, connecting your business and personal goals.

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You've built a business. Who's planning for you?

Owners often pour their energy into the business, and their own long-term plans can wait. But your personal goals and your business are closely linked.

We help you plan across both, so your business supports the life and retirement you want.

Planning at every stage of your business

  1. 01

    Build

    Set a foundation for your personal finances as the business takes shape.

  2. 02

    Grow

    Decide how to use business income and what to invest along the way.

  3. 03

    Prepare

    Think ahead about retirement, succession and stepping back.

  4. 04

    Transition

    Move into the next chapter with a plan already in place.

Where we can help

Paying yourself

How you draw income from the business, alongside your accountant.

Money left in the corporation

How to think about retained earnings and investing inside your company.

Retirement funding

Building retirement income from more than one source, including options like an IPP.

Protecting the business

Considering what happens if you or a key person can't work.

Succession and exit

Preparing for a sale, a transfer or a step back, on your timeline.

Family and what's next

Looking after the people who depend on you and the wealth you pass on.

Questions worth asking early

  1. What do you want the business to do for you?
  2. Who could take over, and when?
  3. What would you need from a sale or transfer?
  4. Are your corporate and legal records in order?
  5. What if you had to step back sooner than planned?

Common questions

Who is business owner planning for?

Incorporated professionals and business owners who want their personal financial plan and their business to work together.

When should I start thinking about succession or exit?

Earlier than most people expect. Starting well before you plan to step back gives you more time and more options.

Will you work with my accountant and lawyer?

Yes, where it helps. Business planning often involves tax, legal and financial questions, and we're glad to coordinate with your other advisors.

Do you help with selling my business?

We help you plan the financial side of a transition. Sale and legal work involve other professionals, and we coordinate with them.

Can results be guaranteed?

No. Outcomes depend on your circumstances, your business and the rules that apply, and none of them can be guaranteed. Our role is to help you make informed decisions.

Interested in this service?

Tell us a little about yourself and your business, and we'll be in touch about the best next step.

Please don't include sensitive financial details in this form. Content on this page is general information and not tax, legal or personal financial advice.