Insurance Architecture for Business Owners
How to extract retained earnings, reduce corporate tax drag, and preserve operating capital.
Your corporation is an excellent tax deferral tool, until it isn’t.
You have successfully built retained earnings. Now, you face the “Passive Investment Income Grind”. As your corporate investment portfolio grows, the ~50% tax rate on the passive income erodes your compounding power.
We build insurance structures that convert this taxable passive income into tax-sheltered growth, accessible corporately or personally without a punitive tax bill.
Protection
The Business Owner’s Financial Journey [for your accountant]Your Business’s Safety Net: Disability, Overhead, and Buy-Sell InsuranceBuy-Sell AgreementsCorporate-Owned Life Insurance (COLI)COLI Audit for Peace of MindFederal Budget 2024: How Life Insurance Can Protect Your Wealth from Rising Capital Gains TaxThe Capital Dividend Account (CDA)Growth
Top 5 Corporate Investing Tax TrapsDiversify with Alternative Assets and Permanent Life Insurance [general]A Clear Guide to Private Corporation & Shareholder TaxationCapital Gains Tax: A Comprehensive GuideCorporate Retirement Planning: Beyond the RRSP and IPPThe Corporate Insured Retirement Plan (CIRP)Infinite Banking for Business SuccessWhat is an IFA?Frees Up Capital: Why Don’t More Business Owners Have An IFA?The IFA Core Advisory Team: A Requirement for SuccessAn IFA is a Team Sport: Is Your Advisory Team Built to Win?Leveraging Corporate Borrowing for Investment GrowthHidden Tax Traps Lurking in Your Corporate Investment PortfolioMore Resources for Learning and Sharing
For more detailed explanations, review our resources for accountants and for wealth advisors, which you can also share with them.
Since you are more than a family, we have related resources:
Is your corporation structured for these strategies?
We provide a preliminary feasibility review to verify if your retained earnings and cash flow support an IFA or Asset Transfer.
Start the Investigation