Wealth Defence
Life Transitions Cost 73% of Wealthy Families 25% or More
A business sale. A health event. A partner exit. Retirement.
The gap shows up when it’s too late to fix it.
You have great advisors. Nobody owns the whole picture.
Everyone has a mandate
Your accountant owns tax. Your lawyer owns documents. Your investment advisor owns your portfolio. Each is doing their job — inside their own lane.
Nobody coordinates strategy
There’s no one connecting your advisors, documents, and structures into a single strategy. That gap doesn’t show up in the day-to-day. It shows up at transitions.
4–6
Advisors typically serving a business owner. Different mandates. No shared strategy. Nobody owns the whole picture.
Wealth Defence
This is when wealth disappears.
Not in the steady state — at the moments that force everything to the surface at once.
By the time one of these hits, it’s too late to build what should already be there. The families who lose the most aren’t the ones who made bad decisions — they’re the ones who had no coordinated plan when the moment came.
Tax — Your Silent Partner
What Ottawa takes before you see a dollar.
Without a plan, Ottawa is already the largest shareholder in everything you own.
| ASSET | YOU KEEP | OTTAWA TAKES |
|---|---|---|
|
Registered Assets
RRSP, RRIF, Pensions
|
46% | 54% |
|
Corporate Holdings
Retained earnings, Cash
|
Trapped | 47%+ to extract |
|
Capital Gains
Shares, Real Estate
|
73% | 27% |
|
Corporate Passive Income
Investments inside corp
|
49.83% | 50.17% |
Client keeps
Ottawa takes
Registered Assets
RRSP, RRIF, Pensions
Corporate Holdings
Retained earnings, Cash
Capital Gains
Shares, Real Estate
Corporate Passive Income
Investment inside your corp
$0
In unnecessary tax — when the right structure is in place before the transition happens.
Wealth Defence
We connect what you already have into one strategy that actually protects you.
01
Understand
Map the wealth built and the legacy intended
02
Coordinate
Connect your advisors, documents, and structures into one shared strategy.
03
Defend
Ensure your intentions become outcomes — not tax bills.
We don’t replace your advisors. We’re the piece that connects them. Tax mitigation, estate planning, corporate wealth extraction, and philanthropy — coordinated into one plan before a transition forces the issue.
Am I a fit?
This conversation is overdue if any of these land.
Business owner
Planning a sale, succession, or retirement
Incorporated professional
Doctor, lawyer, dentist, therapist, realtor
High net worth family
Multi-generational wealth or estate complexity
Wealth across multiple buckets
Corp, real estate, investments, and cash
No unified plan in place
Advisors not working from a shared strategy
Transition on the Horizon
Any of the 5 D's within the next five years
$5M — $25M
Typical wealth range across cash, business interests, real estate, and investments
Make the connection
One conversation. The missing piece.
Don’t wait for a trigger. The best time to act is before one of the 5 D’s forces it.