Key Man Insurance – Life, critical illness, or disability insurance placed on the owner, director or employee of the company who is crucial to the business.  In the event of death, sickness or injury this insurance provides tax free funds to keep the business afloat during the affected period.

Individual Pension Plan (IPP) – An Individual Pension Plan (IPP) is an employer-sponsored defined benefit pension plan designed to provide enhanced retirement benefits and important tax advantages. 
This plan must be sponsored by an active, incorporated company and is generally suitable for individuals between the ages of 40 and 71, with a T4 income in excess of $100k.
IPP offers several key benefits, including:
  • Providing higher contributions than permitted by Registered Retirement Savings Plans (RRSPs).
  • IPP investments grow on a tax-deferred basis.
  • IPP contributions are tax-deductible to your corporation as the plan sponsor.
  • Employer contributions are not considered a taxable benefit for the employee.


Business Succession Planning – A strategy to maximize personal and financial security upon the transfer of business ownership from one generation to the next.


Group RRSP and Employee Benefits – A productive way to offer additional incentives to your employees, and keep retention high.  We offer customized group health, dental and RRSP plans for small business and large corporations.

Buy/Sell Insurance – Planning for the loss of a business partner, or owner due to death, illness or disability is crucial to the continuity of your business, and to protect the financial interest of the families involved.

A buy/sell agreement specifies what will happen to the interests of the owner, shareholder or partner who passes away, becomes ill or disabled.  In many cases the agreement requires that the other owners or partners purchase the deceased shares.  Life insurance is one of the most effective methods to ensure that the funds are available when needed.