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Who we help

Business owners and entrepreneurs

From startup, to restructuring, to sale, we work with business owners and entrepreneurs across a range of industries to create and protect value in their businesses. And we will help you use that value to maintain your lifestyle now and into retirement, making sure the business you’ve worked so hard to build, keeps working for you.

 

Families

We take a multi-generational approach to managing family wealth, guiding clients to the most tax-efficient approach to transferring assets, and helping the next generation understand the potential impact of sudden-wealth events (such as inheritances) and how to prepare for them. We facilitate conversations that align goals and expectations, and help ensure the wealth planning needs of all family members are properly addressed.

 

Having a plan in place today can help ensure that your assets are protected, your business carries on profitably, and your wealth potential is maximized.

Business owners sometimes say, “My business is not complex or big enough to warrant a tax and estate plan.” But quite often this is not the case – when a plan is implemented, its value is maximized even before it is truly needed. Think about it. If we do not worry about creditor protection until there is a known creditor threatening to sue, or we do not plan for the succession of the business until there is a medical emergency, fewer planning opportunities may be available.

We assist business owners in many key areas, as outlined below.

 

  • Planning within a corporate structure

    You, as a business owner, have put significant time, resources, and effort into making your business successful. So how do you proceed with protecting that value? A proper tax and estate plan works with you and your business throughout its life cycle to ensure you are maximizing wealth and minimizing taxes, both now and in the future.

  • Income splitting

    Directing income from your business to members of the family who participate in the business can be an effective strategy for reducing the family’s overall tax bill. For distributions to non-business family members, there are exceptions to the TOSI rules which may be relevant to reduce the family’s overall tax bill.

  • Creditor protection

    There are two types of creditors: known and unknown. Your bank, credit card company, and supply vendors are all known creditors and are part of normal business operations. It is the unforeseen creditor that leaves the profits of a business vulnerable.

  • Succession planning and estate freezes

    A key aspect of estate planning is asking: How does the business or shares of the corporation pass to the next generation? Various considerations are taken into account in deciding if and when to hand the business or corporation over to the next generation.

  • Sale of a business

    There are two ways to sell a business: through either an asset sale or share sale. In an ideal world, all business owners would prefer to sell shares. Selling shares generally provides the best after-tax result to the business owner. In other words, more cash in your hands personally. If you are expecting a significant amount of growth in the market value of your business in the coming years, having a plan in place could be a crucial part of decreasing your overall tax.

  • Will planning

    A properly drafted will is one of the key documents used to ensure that your intentions and wishes are carried out upon your death. The will is also a key component of succession planning. As a business owner, you have a wide range of issues to consider when preparing your personal and corporate will.

  • Shareholder agreements

    While shareholder agreements typically set out the division of duties and how decisions are made regarding financing, compensation and other important matters, a well-drafted shareholder agreement also deals with unexpected events.

  • Corporate & personal life insurance

    Life insurance can be a useful planning tool in many different aspects of retirement and estate planning for the owner-manager. Understanding your estate value, distribution requirements, and taxation of the overall estate will be key factors when determining the appropriate level of life insurance coverage for your needs.

As an incorporated business, how can I protect the value of my business through tax and estate planning?

Download our free guide to see how a proper tax and estate plan works with you and your business throughout its life cycle to ensure you are maximizing wealth and minimizing taxes.

High net worth families

We believe that strong communication between different generations is critical, because as the values and goals of all members are heard, conversation among them becomes easier. By taking the time first to ask questions in a comfortable environment, we learn about your life goals and your family dynamics. We then customize an investment plan that confirms where you are financially and where you want to go.

While working together, clients and their families not only benefit from a lower fee, but they also have peace of mind that their kids and grandkids receive strong financial advice, helping them through life’s challenges. We will be there to help reduce the overall family tax burden, and transition family wealth while protecting it for the next generation. Here are just some of the key areas in which we assist high net worth families:

Family group pricing

We understand the importance of having a full picture of your family’s financial well-being. Multi-generational pricing is another way we provide clients even greater value. In addition to lower fees, your close family members can benefit from comprehensive financial advice, tailored solutions, and dedicated service.

Family trust

A family investment trust might be right for you if you have cash and investments that are not needed to fund your own lifestyle needs, plus a desire to either establish an investment fund for the next generation or provide funding for schooling or other extra expenses for a child or grandchild. A family investment trust can enhance the accumulation of capital for children or grandchildren in a tax efficient manner and reduce the after-tax cost of paying for their non-essential expenses.

Charitable giving program

Giving to causes important to you is both rewarding and helps further the objectives of the organizations you support. However, when deciding to donate, it can be difficult to know where to begin. There are many aspects to consider, and having a plan in place can help enhance the impact of your donations. A well-considered charitable giving strategy can increase tax efficiency and maximize your donations to create a long-lasting legacy.

Transfer of wealth to the next generation

Some Canadians have built up significant wealth in certain assets (such as RRSPs, second properties, businesses, etc.) that may trigger significant tax liabilities when those assets transfer to the next generation. Where does the money come from to pay that tax bill? If you are concerned about a large tax bill when you pass away or that your beneficiaries may have to sell off estate assets to fund it, then you should consider an Estate Preservation Strategy.

Family law

When an estate or gift is left to a child, it can be subject to a family property claim if the child later separates or divorces. But, there are ways to protect the inheritance, which ensures your child is the sole beneficiary.

Creditor protection

There are two types of creditors: known and unknown. It is the unforeseen creditor that leaves family wealth vulnerable.

Family group pricing

Family trust

Charitable giving program

Transfer of wealth to the next generation

Family law

Creditor protection

 

Do you have cash and investments that are not needed to fund your own lifestyle needs?

Download our free guide to see if a family investment trust might be right for you.

Client stories

We work with many clients from different walks of life whose goals vary with their stage of life and personal dreams. Inspired by various client situations, these scenarios illustrate how clients can benefit from our guidance in helping them reach their goals.

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What our clients say

I had the pleasure to attend a meeting held by IG Wealth Management where a lot of interesting ideas were discussed about the retirement and how to be prepared from a financial point of view. I was offered to have a follow up appointment in order to have the opportunity to discuss our specific circumstances. My wife and I had a meeting with Kyle Seeley, consultant from IG, and we were asked about everything with regards to our financial situation. He was very kind and responsive and gave us thorough advice about what would be the correct direction in the future. But the best was still to come. We had a final appointment with him to review a very impressive financial plan where they projected our financial issues until the end of our lives and analyze some sensitivities to give us quality advice about what to do in the future and how to correct right away the things we are doing poorly. Amazing job Kyle. Well done!

Ignacio U., Vice President, Operations

Kyle is an exceptional financial advisor. I have been using him for over two years and could not be more pleased. He is professional, timely, and thorough. Kyle keeps me well informed and has provided me with a plan that makes me confident I have a strong foundation for a great retirement as well as exceptional tax savings for my business. His associate Rojin is also very helpful and timely.

Sam K.

It can be difficult contacting a financial advisor to discuss your private financial situation. Kyle explained the services they offered in the most simplified way possible for me to understand. He was helpful and informative, answering my query with simple, no nonsense facts. A great service.

Shawn M.

What we do

We provide a range of services to help guide you through the financial aspects of every stage of your life journey.

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Contact

Seeley Group Private Wealth Management
416-860-7515
Seeley.Group@igpwm.ca
Investors Group Financial Services Inc.

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Location

199 Bay Street, Suite 2100, P.O Box 117 Commerce Court
Toronto, ON M5L 1E2

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