Executives

With higher income comes greater financial complexity as well as greater opportunity. Executives and senior professionals often face challenges managing equity compensation, corporate benefits, tax exposure, and long-term wealth transfer. Add limited time and high responsibility, and it’s easy for even sophisticated investors to fall behind on personal financial strategy.

At Green Helix Financial, we help executives simplify their wealth by building a customized, tax-efficient strategy that integrates personal goals, professional benefits, and long-term planning - all while reducing decision fatigue.

🧩 Example Scenario: Equity-Rich, Time-Poor

An executive in their late 40s earning through base salary, bonuses, and equity compensation. They have a strong RRSP and TFSA portfolio, a corporate group benefits package, and some personal insurance. Their biggest challenge is managing concentrated company stock risk, staying on top of tax planning, and aligning their compensation with personal retirement and legacy goals.

Here’s how a fiduciary advisor can help:

• Manage Equity Compensation: Develop a plan to diversify out of stock options without triggering unnecessary tax or disrupting long-term goals.

• Optimize Tax Strategy: Use income splitting, donation planning, capital gains deferral, and smart use of TFSAs, RRSPs, and non-registered accounts to minimize lifetime tax.

• Create an Investment Oversight Framework: Align personal and employer-managed portfolios under one cohesive asset allocation and risk strategy.

• Insurance Planning for High Earners: Review personal and group policies to ensure coverage is adequate for wealth replacement and tax planning.

• Introduce Advanced Strategies: Explore Individual Pension Plans (IPPs), prescribed rate loans, or permanent life insurance as wealth transfer and tax reduction tools.

• Prepare for Retirement or Exit: Model various timelines for financial independence, early retirement, or career transitions and structure investments accordingly.

• Plan Your Legacy: Use wills, trusts, and insurance to design a wealth transfer plan that reflects personal values, minimizes probate, and simplifies the estate.

With a strategic and proactive plan, executives can reduce risk, enhance after-tax returns, and create lasting value without compromising the demands of their professional life.