Investment Planning

Working with your Financial Planner or Investment Advisor, we can help bring in our expertise in tax-exempt life insurance to coordinate an investment strategy that complements your existing business and investment portfolio. Our goal is to work with your accountant to put together an investment strategy that is simple, effective and tax-efficient.

Insured Deposit Funds

Whether you operate a business through an operating company, hold passive assets in a holding company or deliver professional services through an incorporated structure, an Insured Deposit Fund is a tax-efficient way of growing and safe-guarding capital.

Retirement Compensation Arrangements

A Retirement Compensation Arrangement is often times most valuable where the employing corporation faces a high tax rate whether because of significant amounts of passive income, active business income that exceeds the small business limit of $500,000 or significant capital gains from the disposal of property. As an alternative to paying that money out of the corporation to the employee, and requiring that employee to pay tax at the highest marginal tax rates of 44% in BC, the employing corporation may deduct contributions to the Retirement Compensation Arrangement from corporate income, and have those funds grow in a creditor protected environment holding tax-exempt investments.

Tax-Deferred Annuities

If you're a retiree looking for guaranteed income with upside exposure on your investments and 100% guarantee of your principal invested in the markets, we can put together a strategy to meet your needs. Using a prescribed annuity conforming with Regulation 304 of the Income Tax Act, we can cut the taxable portion of your guaranteed income by 75%. If you're a Financial Planner or Investment Advisor looking to deploy this strategy for a client, we can shop all the insurance companies independently, so that your client gets the highest guaranteed income available.