Professionals

Whether you’re building your practice, managing a demanding career, or planning for early financial independence, high-earning professionals face a unique set of challenges. Between high tax exposure, irregular income, and limited time, it can be hard to keep your financial life as organized as your professional one.

At Green Helix Financial, we help professionals streamline their wealth strategy - coordinating tax planning, insurance, and long-term investment decisions into a clear, efficient roadmap.

🧩 Example Scenario: High Income, No Time for Complexity

A 41-year-old incorporated dentist earning through a professional corporation. They’ve paid off most of their student debt and are focused on maximizing retained earnings. They contribute to an RRSP, hold a growing TFSA, and keep excess funds in a corporate account, but haven’t yet structured a long-term retirement or exit plan. They have some insurance, but it was purchased early in their career and hasn’t been reviewed in years.

Here’s how a fiduciary advisor can help:

• Optimize Income Structuring: Balance salary and dividends to manage tax exposure, CPP contributions, and RRSP eligibility.

• Manage Corporate Surplus: Create a tax-efficient investment strategy for retained earnings within the professional corporation.

• Review and Update Insurance: Evaluate and revise life, disability, and critical illness coverage to match current needs and income level.

• Plan for Early Retirement or Practice Sale: Model different timelines and income targets to support a flexible long-term exit strategy.

• Coordinate TFSA, RRSP, and Non-Registered Strategies: Ensure personal and corporate planning align without overlap or missed opportunities.

• Integrate Family Considerations: Introduce income splitting, spousal loans, or trust structures if applicable.

• Simplify Complexity: Create a single, coordinated plan that saves time and delivers confidence, without adding to an already full schedule.

With proactive planning, professionals like this can reduce taxes, protect their income, and stay focused on their careers while quietly building long-term wealth.