BUSINESS CONTINUATION & INCOME PROTECTION: • Key Person Insurance: Provides tax-free dollars to offset financial loss arising from the death or disability of a key employee. • Business Loan Protection: Provides tax-free dollars to repay business loans/lines of credit in the event of death or disability of an owner or key employee. • Business Transfer: Provides tax-free dollars to properly fund the buyout of shares in the event of death or disability of a partner. • Enhanced Retirement program: A tax-effective way for your company to benefit from corporate owned life insurance policies. ESTATE PLANNING AND HIGH WEALTH TAX MANAGEMENT: • Estate Creation: Provides immediate tax-free dollars to allow your family to pay off all debts and maintain their lifestyle if you die too soon. • Estate Conservation: Provides liquid tax-free dollars to meet capital gains tax, other taxes, outstanding debts and administration costs arising on death. • Disability Income: Provides maximum after-tax income to maintain your present and future lifestyle without burdening the business. RETIREMENT PLANNING FOR BUSINESS OWNERS: • RRSPs & Creditor Protection: Accumulate tax-sheltered funds for retirement, with built in protection from creditors. • Corporate Asset Transfers & Holdco's: A tax-effective method of transferring retained earnings into a personal asset. • Balance Sheet Hedging Strategy: Using corporate dollars and OPM to mitigate risk and build a personal asset. • Annuities/RRIF: Provides an income flow to match your needs at retirement. EMPLOYEE RETENTION BENEFITS: • Life & Disability Insurance: Establish a company policy to treat all employees fairly and transfer risk to an insurance carrier. Tailored disability benefits for owners and key persons. • Health & Dental Benefits: Design a group benefits plan to attract and retain good employees. • H&W Trusts: Convert after-tax health and dental expenses to a company deduction. • Pension/Group RRSP: Install, analyze and administer