Optimize Corporate Wealth with Strategic Investment Policies
Maximize your company’s financial growth and security with corporately owned insurance policies and executive pension plans. Designed to enhance tax efficiency and protect your assets, these strategies ensure long-term wealth preservation.
Corporate Investment Policy
Optimize your business's financial strategies through tax-efficient insurance policies and pension plans.
Whether you're looking to safeguard your business against unforeseen challenges or plan for a tax-efficient retirement, our solutions are designed to meet your needs. Contact us today to learn more.
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Corporately Owned High Cash Value Insurance Policy
A Corporately Owned High Cash Value Insurance Policy offers a strategic way to grow and protect your business's wealth. By allocating retained earnings into this policy, you can achieve tax-efficient growth, gain access to liquid cash, and add a layer of protection against creditors. Ideal for holding companies, this policy also has the potential to provide significant tax-free income in the future.
- Tax-Deferred Growth: Grow your money within the policy without triggering passive income for your company.
- Flexible Cash Access: Create a pool of cash that you can access for any reason, providing financial flexibility.
- Creditor Protection: Add a layer of protection to your assets against potential creditors.
- Future Income: Potentially receive substantial tax-free income later in life or retirement.
- Ideal for Holding Companies: Best suited for those operating within a holding company structure.
Corporately Owned Split-dollar Critical Illness Policy (EHP)
A Corporately Owned Split-dollar Critical Illness Policy (EHP) provides vital financial protection for your business and personal wealth. This policy ensures your business receives a substantial payment in the event of a critical illness diagnosis, offering financial support with no restrictions on how the funds are used. Additionally, if no claim is made, the insured can receive a tax-free payment equal to all premiums paid, enabling a seamless transfer of money from the company to the owner.
- Critical Illness Coverage: Receive a substantial payment for your business if the insured is diagnosed with a critical illness, with full flexibility on fund usage.
- Tax-Free Premium Return: If no claim is made, the insured can receive a tax-free payment equal to the total premiums paid.
- Wealth Transfer: Facilitate a tax-efficient transfer of funds from the company to the owner over time.
Executive Pension Plan (EPP)
An Executive Pension Plan (EPP) offers a strategic way to convert corporate wealth into private wealth. Fully funded and deducted by the company, this plan provides a tax-efficient approach to wealth transfer with higher contribution limits than a traditional RRSP. This often enables the transfer of significantly more funds into your pension, ensuring long-term financial security.
- Wealth Transfer: Systematically shift corporate wealth into personal wealth through a company-funded pension plan.
- Tax Efficiency: Benefit from a more tax-efficient strategy compared to traditional retirement savings plans.
- Higher Contribution Limits: Enjoy higher contribution limits than an RRSP, allowing for substantial pension growth.
- Long-Term Security: Ensure a solid financial foundation for retirement with the potential to transfer a million dollars more into your pension.