Our approach

A clear plan for the decision ahead.

You may be saving, planning to retire, helping family or preparing to sell a business. Tell us what you want to do. We’ll work through the tax choices with you.

Start a conversation

Tell us what you’re deciding. We’ll agree on the work and fee before we start.

Help with one choice or a longer-term plan.

The starting point depends on what’s changing in your business or life.

A focused review

Work through the choice in front of you.

You may want to choose a savings account, plan your retirement or help an adult child. You may have money to invest in your corporation or a business to sell. We’ll compare your choices and explain what each could mean for you.

A lifetime review

Connect the choices across the years.

Look at your income, savings, retirement and family needs together. Include your corporation if you have one. See how one choice affects the others, and what happens if your plans change.

What you take away

Clear answers and a plan you can use.

Before we start, we agree on what you’ll receive.

A comparison of your options.

What each choice could mean for your money and taxes, including the pros and cons.

A view of the years ahead.

Where helpful, estimates of your future savings and income. We explain what those estimates assume.

A written plan for the next steps.

What needs to happen, when to do it and who will help.

Business-owner planning example

See the decision from more than one side.

See how the choice to invest through a corporation affects both the owner and their family.

Explore the full comparison

The question: Keep extra money in the corporation or take it out to invest in your own name?
What to compare: The same spending in both cases. Look at tax during your life and tax after you die.
The tradeoff: More money for retirement may leave less for your family.
What needs to connect: How the owner gets paid, invests and leaves money to family.

Know what to expect from the start.

01
Tell us what’s ahead.
What you’re considering, what’s changing and when the decision needs to be made.
02
Agree the work and fee.
We agree on the work, the records we need, what you’ll receive and who will do each part.
03
Work through the choices.
We compare your choices and explain the next steps. We agree with you on any help to carry out the plan or work with other advisers.

Do I need to own a business?

No. Planning can focus on your personal savings, retirement or family needs. Where a business is part of the picture, we include it.

Do I need to change accountants?

Tell us who currently handles your accounting and tax filings. We’ll discuss how the planning work would fit and what information we’d need.

What if I only need help with one decision?

Start there. A focused review may be enough. If the decision depends on other parts of your finances, we’ll explain what a broader review would need to cover.

Will you help put the plan into effect?

We agree on who will carry out each step. Tax returns, legal work or investment advice may need separate agreements or help from other advisers.

What happens when I send an inquiry?

We review what you’ve shared and discuss the next step. Sending the form doesn’t commit you to paid work.

What’s changing in your business or life?

You don’t need to know which tax strategy to ask for. Tell us what you’re considering and what you want the money to do.