For tradespeople & business owners
Turning your business into your pension.
If you've spent 20+ years building a trades business, your most important asset isn't in an RRSP, it's in the company. The job is to convert it into income that lasts the rest of your life, without handing half of it to the CRA on the way out.
The reality
Sound familiar?
- Most of your net worth is locked inside the business.
- No employer pension, no payroll match, and the RRSP got pushed to 'next year' more than once.
- You're not sure what your business is actually worth, or whether anyone will buy it.
- Your accountant handles taxes, but no one is looking at the whole picture.
- You'd like to slow down, but every plan still has you working into your late 60s.
Who this is for
Owners of incorporated trades and service businesses, electricians, HVAC, plumbing, landscaping, construction, automotive, and the family-run operations that quietly built our communities.
You're typically 45–65, with $1M+ tied up between the business and personal assets, and you're starting to think about what comes after.
What's included
A plan that covers both sides of the ledger.
- Comprehensive personal & corporate cash flow review
- Business valuation framework and exit-readiness assessment
- Tax-efficient compensation: salary, dividends, and corporate retained earnings
- Individual Pension Plan (IPP) and corporate insurance strategies
- Succession planning, family transition or third-party sale
- Retirement income modelling that includes proceeds from the sale
- Estate plan coordinated with your accountant and lawyer
Let's talk
Ready for a conversation?
A 20-minute Intro Call is the simplest first step. We'll talk about where the business is, where you want to be, and whether we're the right fit to bridge the two.