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  • For CPAs | How we work alongside you

Better planning for your clients. Built together.

We work alongside you to show clients where tax will hit their wealth and what they can do about it. We take on the planning work, you lead on tax, and the client gets one plan every advisor stands behind.

Talk to Peter about a client →
See how it works
01

Where we usually come in

  • Cash or investments building up in the corporation, and passive income starting to cost the small business rate
  • An owner talking about selling, retiring or bringing in the kids
  • A corporate policy nobody has looked at in years, or a tax bill at death no one has put a number on
02

What we take off your plate

We show the client the numbers.

We map the tax at death, illness, a sale, retirement or a partner leaving, and show it in plain language and simple charts.

We do the modelling.

Insurance illustrations, funding options and side by side scenarios, ready for you to review.

We handle the follow through.

Applications, underwriting, paperwork and regular reviews, so the plan actually gets done.

03

Our process with you

01

Discovery

A short call about the client, without names if you prefer. With the client’s permission, we ask for recent statements, returns and the corporate structure.

02

Review

We map where the tax lands, when, and who pays it.

03

The plan

You see it before the client does. Then we meet the client together, or keep you in the loop.

04

Keep it current

Set up to match your structure, with copies for your file. We revisit it at year end and whenever life changes.

04

What we can bring to your clients

  • Getting corporate money to the family through the capital dividend account
  • Corporate savings that grow in a way that generally isn't taxed as passive income
  • Funding for the tax at death or a sale, so nothing has to be sold to pay it
  • Disability, critical illness and health spending account coverage for owners and their teams
  • Charitable giving strategies that reduce tax and build a legacy
  • Other professionals when the plan needs them, like an estate lawyer, a business valuator or a banker, all working with you
WHAT IT ADDS TO THE PROCESS

Everyone works from the same numbers.

  • Your client: one plan in plain language, with every advisor working from the same numbers.
  • You: deeper planning conversations, and a client who sees the full value of your advice.
  • The whole team: clear roles, so nothing falls between advisors when a transition hits.

We don’t give tax advice or file anything. We’re paid by commission from the insurer, with no planning fee to the client.

Same numbers. One plan. More value for the client you've looked after for years.

Start with a short call about one client. No names needed.

Peter Lount  ·  Return On Life  ·  Wealth Defence  ·  Toronto
647 697 5022  ·  info@returnonlife.ca

Book a Call with Peter →
Call 647 697 5022

This page is general information, not tax or legal advice. Tax treatment depends on each client’s facts and should be confirmed by the client’s CPA.