Business Owners

Running a business takes time, energy, and risk and too often, personal financial planning gets pushed to the side. Whether you’re growing, stabilizing, or planning an eventual exit, the right advice can help you keep more of what you earn and turn business success into personal wealth.

At Green Helix Financial, we help business owners connect their business and personal finances into one cohesive strategy. From tax planning to succession, we build plans that protect, grow, and transition wealth - on your terms.

🧩 Example Scenario: Growth Now, Exit Later

A business owner in their early 50s earning retained earnings through a successful incorporated consulting business. They pay themselves a modest salary and dividends, and have built some savings in both personal and corporate accounts. They don’t yet have a formal retirement plan, haven’t considered insurance as a tax strategy, and want to begin thinking about succession in the next 10–15 years.

Here’s how a fiduciary advisor can help:

• Optimize Compensation: Structure a mix of salary and dividends to balance tax efficiency, CPP contributions, and RRSP eligibility

• Corporate Investment Strategy: Manage retained earnings inside the corporation with tax-aware investment solutions

• Tax-Integrated Retirement Plan: Blend RRSPs, TFSAs, and corporate assets to fund a long-term retirement plan that evolves with business income

• Insurance as a Tax Tool: Use corporate-owned life insurance to reduce tax exposure and support estate planning goals

• Succession Planning: Begin mapping out options for selling, transitioning, or passing on the business with minimal tax impact

• Shareholder & Key Person Protection: Recommend insurance strategies that protect business continuity and financial stability

• Separation of Business & Personal Risk: Help segregate liability, protect family assets, and plan for long-term financial independence

With a tailored wealth strategy, business owners can reduce tax, stabilize cash flow, and set up both their family and their company for future success.