Advanced Corporate Insurance Planning
Corporate Structure Planning
Optimize, Integrate, Succeed: Comprehensive Structuring for Business Resilience and Growth
The corporate structure you choose for your business isn't just a box to tick; it's a strategic decision that has long-lasting implications on your profitability, liability, and tax efficiency.
As a successful business owner, you've probably already navigated this maze to some extent. However, as your business scales, diversifies, or even internationalizes, reevaluating your corporate structure can offer hidden advantages.
Our team specializes in crafting tailor-made structural designs that take into account your specific needs for asset protection, tax planning, and operational efficiency. We analyze complex elements like cross-border tax implications, ownership structures, and inter-company transactions to offer you an optimized plan.
With our guidance, you can ensure that your business is not just structured for the present, but is also future-ready.
Advanced Life Insurance Planning
More Than a Safety Net: Tailored Life Insurance Strategies as Financial Multi-Taskers
For accomplished business owners like you, life insurance isn't just about providing a financial safety net—it's a strategic asset that can be fine-tuned to fulfill multiple objectives. We specialize in advanced life insurance planning, which goes well beyond simply choosing a policy.
We explore various options for holding structures, such as irrevocable life insurance trusts (ILITs), to align the policies optimally within your estate and business succession plans. By doing so, we can address issues of estate liquidity, tax efficiency, and wealth transfer in a holistic manner.
Our aim is to integrate these life insurance strategies seamlessly into your overarching financial blueprint, creating layers of financial security and peace of mind for both your business and your family. With our tailored approach, you can navigate the complexities of wealth management and gain the assurance that your legacy will be managed according to your wishes.
Financial Planning & Wealth Management
Maximize Your Wealth: Data-Driven Investment Management for the Sophisticated Owner
As a prosperous business owner, you're well aware that wealth isn't just about making money; it's also about preserving and growing it in ways that align with your personal and business objectives. That's where our wealth and investment management services come in.
We don't just offer off-the-shelf solutions. We work closely with you to develop customized investment strategies tailored to meet your unique needs and risk tolerance.Through our advanced asset allocation and portfolio management techniques, we aim to maximize your returns while minimizing risk.But our service doesn't end with the allocation of your assets; we continually monitor and adjust your portfolio to take advantage of market opportunities and to adapt to changing conditions. By aligning your investment strategy with your broader financial and business goals, we help you turn your business success into long-term financial security.
Incorporated Professionals (Doctors/Lawyers)
Advanced Life Insurance Planning
Advanced Life Insurance Planning
Advanced Life Insurance Planning
For accomplished business owners like you, life insurance isn't just about providing a financial safety net—it's a strategic asset that can be fine-tuned to fulfill multiple objectives. We specialize in advanced life insurance planning, which goes well beyond simply choosing a policy.
We explore various options for holding structures, such as irrevocable life insurance trusts (ILITs), to align the policies optimally within your estate and business succession plans. By doing so, we can address issues of estate liquidity, tax efficiency, and wealth transfer in a holistic manner.
Our aim is to integrate these life insurance strategies seamlessly into your overarching financial blueprint, creating layers of financial security and peace of mind for both your business and your family. With our tailored approach, you can navigate the complexities of wealth management and gain the assurance that your legacy will be managed according to your wishes.
Business Owner Estate Planning
Advanced Life Insurance Planning
Advanced Life Insurance Planning
Preserve and Pass On: Navigating Wealth Transition with Foresight and Precision
As a business owner, your personal financial affairs are deeply intertwined with your business assets. Yet traditional estate planning often falls short of addressing the complexities that come with owning a business.
Our specialized approach goes beyond wills and trusts to create a comprehensive strategy that aligns with your business goals. We focus on ensuring not just wealth preservation but also smooth business succession.
Whether it's through buy-sell agreements, family trusts, or other sophisticated structures, we devise strategies, in collaboration with experienced attorneys, to mitigate estate taxes and facilitate an organized transition. This way, the business legacy you've worked so hard to build is preserved and continues to thrive long after you're gone.
Financial Planning for Families (Life Insurance/Investments)
In today’s world, insurance can be tailored to fulfill your specific investment goals.
Your dedicated Stewart Fisher Financial advisor will guide you in developing a personalized plan that both strengthens and safeguards your family’s financial well-being. Collaborating with Canada’s foremost insurance providers, we manage risks and seize opportunities across every phase of your personal and professional journey. Our advisors may recommend considering the following:
- Protecting your current income and preserving your family’s financial stability
- Sheltering your investments from unforeseen financial challenges
- Supplementing your pension to secure a comfortable retirement
- Providing for potential accidents, illnesses, or disabilities
- Safeguarding your business against the loss of key personnel
- Offering your employees comprehensive group insurance and retirement plans
- Planning for the seamless succession of your business
With Stewart Fisher Financial, you can achieve peace of mind knowing your insurance and investment strategies are customized to meet the unique needs of your family and business.
Pension Plan Specialist
Secure Your Retirement with Stewart Fisher Financial
Retirement today looks very different from the past, and planning for it requires a thoughtful approach to your pension. At Stewart Fisher Financial, we help you shape the retirement you desire by focusing on the best pension strategies tailored to your unique needs.
Transitioning to Retirement? Let Us Guide You.
As you approach retirement, one of the most critical decisions you'll face is choosing the right pension options. Our expertise ensures that you select the best possible income streams, providing you with the "sleep-at-night" peace of mind that comes from guaranteed income for life. This way, you can enjoy a secure retirement without the worry of outliving your savings.
Don’t Have a Pension? We Can Help.
Even if you don't have a traditional pension plan, you can still create a secure retirement income. We offer solutions that allow you to "buy a pension," ensuring a steady, reliable income throughout your retirement years.
Are You a Small Business Owner? Explore Individual Pension Plans (IPPs).
For small business owners, recent tax changes to private corporations make it an ideal time to revisit the benefits of an Individual Pension Plan (IPP). IPPs offer an excellent
Group Specialist & HSA Health Spending Account
Did you know that you can use a Health Spending Account (HSA) as a group plan?
Retirement today looks very different from the past, and planning for it requires a thoughtful approach to your pension. At Stewart Fisher Financial, we help you shape the retirement you desire by focusing on the best pension strategies tailored to your unique needs.
Transitioning to Retirement? Let Us Guide You.
As you approach retirement, one of the most critical decisions you'll face is choosing the right pension options. Our expertise ensures that you select the best possible income streams, providing you with the "sleep-at-night" peace of mind that comes from guaranteed income for life. This way, you can enjoy a secure retirement without the worry of outliving your savings.
Don’t Have a Pension? We Can Help.
Even if you don't have a traditional pension plan, you can still create a secure retirement income. We offer solutions that allow you to "buy a pension," ensuring a steady, reliable income throughout your retirement years.
Are You a Small Business Owner? Explore Individual Pension Plans (IPPs).
For small business owners, recent tax changes to private corporations make it an ideal time to revisit the benefits of an Individual Pension Plan (IPP). IPPs offer an excellent alternative to RRSPs, providing a strategic way to transfer registered assets to the next generation of your family business while securing your retirement.
At Stewart Fisher Financial, we specialize in helping you navigate the complexities of pension planning so that you can transition into retirement with confidence and clarity. Let us help you create a retirement plan that reflects the lifestyle you want and the peace of mind you deserve.
Setting Contribution Amounts
As an employer, there are various ways to set the contribution amounts for employees.
Employers may decide to set contributions by class, for example. This would be similar to a group plan because you can contribute a different amount for executives than for part-time employees, for instance. Employers might also decide to set contributions based on a set percentage of their salary, years of service, whether or not the individual is single or married and has a family, what their role is in the company, or the company’s success from year to year.
HSAs are extremely flexible. Employees decide how to best use their funds, and there is no plan design and no limitations. Furthermore, it’s possible to add on travel or catastrophic drug coverage if you decide to, or employees can have a choice to add these benefits on as well.
The Benefits of HSAs
Employees Choose
With HSAs, there’s no set plan design. There are no limits or maximums either. Employees have the flexibility to choose how their allocated money is spent. There are no copayments, deductibles, or annual limits — stipulations that often come with traditional insurance policies.
No Mandatory Insurance
As an excellent alternative to traditional coverage, HSAs do not require mandatory insurance coverage. Still, these funds can cover expenses that are covered under traditional insurance policies and those that aren’t.
Defined Contribution
Any HSA deposits that employers make to their employees’ accounts are fixed annually. Each year, the business owner will control how much they contribute to each employee’s benefits plan and change the amounts at their will. There are no renewals or increases.
Especially Beneficial to Companies With Part-Time Employees
Companies that have part-time employees may not be interested in providing traditional group plans because of their incredible expense. This makes Health Spending Accounts a fantastic alternative.
Philanthropy & Charitable Giving
True Financial Success Extends Beyond Personal Gain
For many investors, true financial success extends beyond personal gain, embracing the power of giving back to the community. By integrating your philanthropic aspirations into our wealth planning process, we help ensure your wealth and values create a lasting legacy. Our experienced advisors possess the skills, resources, and partnerships necessary to develop a customized plan that aligns with your unique situation and values.
We have established enduring relationships with top networks in the Canadian philanthropic sector and have designed investment and tax-efficient solutions, such as our donor-advised funds platform. This platform offers individuals, business owners, and families a streamlined and rewarding charitable giving experience. Whether your passion lies in supporting the arts, conserving natural resources, advancing medical research, or assisting underprivileged children worldwide, our team offers strategic gift planning advice to help you achieve your philanthropic objectives.
Private Banking Concierge Services
At Stewart Fisher Financial, our Private Banking Concierge Services provide personalized financial solutions tailored to your unique needs and lifestyle. We offer dedicated assistance with everyday banking, credit and lending solutions, cash flow management, and wealth protection strategies. Our concierge team is committed to delivering a seamless, white-glove experience to help you simplify and optimize your financial life, allowing you to focus on what matters most.
