A financial planning firm reserved for entrepreneurs and incorporated businesses.
One of the few fee-only firms in Quebec.Good advice should never
depend on a sale.
— Our partners —
— Our approach —
Understand before recommending
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— Beyond the product —
Where others sell,we plan.
From legal structure to estate, we cover the seven areas of financial planning that shape your wealth. Not just the ones that sell.
- 01
Legal
Structure, shareholder agreement, will and mandates, coordinated with your legal advisors.
- 02
Insurance & risk management
Personal, corporate and shareholder protection, because the business depends on you.
- 03
Finances
Net worth, cash flow, debt: how resources split between business and personal.
- 04
Tax
Salary or dividends, withdrawals, accumulation: every strategy weighed for its tax impact.
- 05
Investments
RRSP, TFSA, corporate accounts. Above all: where to accumulate, personally or corporately.
- 06
Retirement
Investments, real estate, companies and business value, drawn down in the right order.
- 07
Estate
Transferring wealth and the business, family succession, liquidity at death.
Our method
From the first conversation to a strategy that lasts.
Each step builds on the last. Nothing is left to chance, and every step brings you closer to the financial freedom you are aiming for.
01
The starting point
Data gathering
Business, compensation, investments, insurance, debt, legal documents. We see everything before recommending anything.
02
The reading
File analysis
We read your numbers with you and bring to light the blind spots, the risks and the opportunities nobody had flagged.
03
The strategy
The action plan
A written, costed plan: what to do, in what order, and the real impact for the business and for you.
04
Execution
Implementation
We execute with your accountant, your notary and your tax specialist. You no longer have to bridge the gaps.
05
Ongoing
Support
Your business changes, and so does your life. Your plan follows, year after year.
— Who this is for —
This is for you if…
- You own an incorporated business and a large share of your wealth is tied up in it.
- You pay yourself salary, dividends or both, without being sure the mix is right.
- Cash is sitting in the corporation and you are unsure whether to draw it, invest it or protect it.
- You have partners and a shareholder agreement, or you should have one.
- You want your accountant, your tax specialist and your planner working from the same picture.
- You are thinking about selling, transferring or preparing succession in the coming years.
- You want to understand every recommendation, not just sign it.
This is not for you if…
- You are neither a business owner, a shareholder, nor incorporated as a self-employed professional.
- You are looking for a return, a product or a “good fund” to buy.
- You want your investments managed without ever discussing your business.
- You are shopping for the lowest fee rather than a coordinated strategy.
- You would rather keep each professional in their own silo.
- You want an answer tonight, before anyone has looked at your numbers.
They trust us —
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Frequently asked questions —
You might be wondering
What does “fee-only firm” mean?
You pay for our advice, not for a product. Our recommendation therefore never depends on a sale. In Quebec, few financial planning firms work this way.
How much does an engagement cost?
Each engagement is set according to your situation and its complexity. The amount is agreed in advance, with no surprises. The first call is free, and you leave with a clear idea of the investment before committing.
I already have an accountant and an advisor. Why you?
We do not replace them, we make them work together. Most entrepreneurs have good professionals who never talk to each other. We are the link that was missing.
Does this cover my corporate cash?
Absolutely. How to pay yourself, what to leave in the corporation, how to invest or protect it: that is often where the largest gaps sit for an incorporated entrepreneur.
Do I have to move my investments to you?
No. Our plan is useful even if your investments stay where they are. We simply tell you what works, what does not, and why.
What happens on the first call?
30 minutes, free and with no commitment. Together we map your business and your wealth. You leave with a clear reading of your situation, whether you work with us or not.
I have never paid for financial advice. Why start now?
You have most likely paid for it already without seeing it, through fees built into products. With fees, the cost is clear, known in advance, and the advice serves only your interests.
How are you different from a bank advisor?
A bank advisor offers you their bank’s products. We are independent: we look at your whole situation, your business as well as your wealth, and we recommend what serves your plan.
Am I “big” enough to need a planner?
No minimum. The most expensive decisions are often made early: the structure, the compensation, the first cash left in the corporation. The earlier you plan, the greater the impact.
What does financial planning actually cover?
The seven areas: legal matters, insurance and risk management, finances, tax, investments, retirement and estate. They come together in a single written plan that evolves with you.
Who are your advisors?
Our team holds the titles of financial planner, financial security advisor, mutual fund representative and exempt market dealer representative. It is overseen by the Autorité des marchés financiers.
Do you only work in Laval?
Our offices are in Laval, Montréal and Québec City, and we support entrepreneurs across Quebec, in person or remotely.
Book a call
Three quick questions, then pick a time for a 30-minute call.
Question 1 of 3