Our Services
Strategy and Stewardship
Strategy for the decisions ahead, and stewardship of everything already in motion. Each engagement is built around your family and the advisors you already have.
Strategy
Decisions That Shape Your Family’s Structure, Wealth and Future
Estate & Legacy
Plan how wealth, control and responsibility pass across generations.Estate Planning
A tax-efficient plan for how your wealth passes to the next generation, kept current as your life changes.
We design the plan across your companies, trusts, investments and property, then carry out steps such as an estate freeze with your lawyer and accountant.
Your lawyer drafts the will, trust deeds and powers of attorney.
Trust Planning
Family trusts that keep doing what they were set up to do.
We work with your trustees on when to make distributions, to whom, and how they will be taxed, and prepare for dates that narrow a trust’s options, such as a 21st anniversary, long before they arrive.
The trustees decide, advised by their own lawyer.
Family Governance
Family decisions made with the facts in front of everyone, and a next generation ready to take part.
We prepare the financial information for family meetings, record what is decided and who will follow up, and help the next generation learn what the family owns and why it is held the way it is.
Tax & Structure
Coordinate personal, corporate and trust planning across the family.Tax Planning
Personal, corporate and trust tax planned as one, so each decision is made knowing what it will cost.
We set the tax plan across your companies, trusts and family: how income is paid out of your companies, where investment income is best held, year-end planning, and the tax effect of each sale, purchase or reorganization before it is made.
Cross-Border Tax
Your Canadian tax planned properly when family members live abroad, investments sit outside Canada or a move is ahead.
We handle the Canadian side, including planning a move to or from Canada and US investments held while you live here.
US returns stay with your US preparer.
Insurance and Risk Review
Policies that line up with your structure and estate plan, with each renewal prepared in good time.
We keep a record of who owns each policy, who is insured and who it pays, flag anything that no longer matches how the family is organized, and brief your broker before each renewal.
Your broker advises on and places the coverage.
Business & Succession
Prepare for ownership transitions, sales and the next generation.Business Succession
A clear path for your business, prepared well before the decision is due.
We set out selling, passing it on and keeping it side by side, with what each means for tax and the family’s finances, then prepare for the one you choose: tax planning, including the lifetime capital gains exemption where it applies, and books ready for a buyer’s review.
Your corporate lawyer drafts the documents.
Giving
Structure philanthropy around the family’s goals and tax position.Philanthropy and Charitable Giving
A giving plan built around the causes your family supports, with each gift timed and structured for tax.
We plan how each gift and pledge is made (personally, through a company or through the family’s own foundation) and in which tax year. For a foundation the family runs, we keep the books.
Stewardship
Ongoing Financial Administration That Keeps Everything Moving
Financial Oversight
CFO-level coordination across your family’s entities and finances.Fractional CFO
The finance function a family with companies, trusts and investments needs, without hiring one.
We do for the family what a CFO does for a company: cash flow and budgets, banking, borrowing and guarantees, and cash planning for fund commitments.
You make the borrowing and spending decisions.
Accounting & Reporting
Keep records current and bring the family’s financial picture together.Bookkeeping and Tax Compliance
Books that are current all year, so returns are prepared from records rather than reconstructed at the deadline.
We keep the books reconciled for each company, trust and family member in the engagement, and prepare the tax returns and GST/HST filings from them.
If you keep your own accountant, they receive reconciled records ready for year end.
Consolidated Reporting
One reconciled view of what the family owns, owes and has committed.
We bring the figures together from the source statements and shape the reporting around the questions you ask, including cash-flow, retirement and what-if projections.
This is unaudited management reporting.
Portfolio Company CFO Support
Financial discipline at the operating companies your family owns or invests in.
When a family acquires or invests in an operating business, its finances rarely keep pace. We provide CFO-level support alongside its management: reliable reporting, sound controls, and the information you need for board and shareholder meetings.
The company’s own management and accounting team remain responsible for its books and systems.
Investment Administration
Track commitments, distributions and investment records across entities.Investment Administration
Your private investments kept in order: what is due, from which entity, and when.
We track commitments, capital calls, distributions and fund documents against the company or trust that holds each investment, and collect the tax slips your returns need.
Investment decisions rest with you and your investment advisor, and your assets stay with your own custodians.
Your Advisors, Working from One Plan
Your advisors stay yours, and they work from one plan. We set out the structure and the steps, agree at the outset who does what, and follow up until each item is done.
Find the Right Fit
Most families need only some of these. A first conversation shows which.