{"id":297,"date":"2021-11-17T03:24:40","date_gmt":"2021-11-17T03:24:40","guid":{"rendered":"https:\/\/advisor.wellington-altus.ca\/bfg\/?page_id=297"},"modified":"2021-12-01T19:48:25","modified_gmt":"2021-12-01T19:48:25","slug":"business-owners-executives-and-their-families","status":"publish","type":"page","link":"https:\/\/advisor.wellington-altus.ca\/bfg\/business-owners-executives-and-their-families\/","title":{"rendered":"Business Owners, Executives and Their Families"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"297\" class=\"elementor elementor-297\" data-elementor-post-type=\"page\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-aa7814c elementor-section-height-min-height elementor-section-boxed elementor-section-height-default elementor-section-items-middle\" data-id=\"aa7814c\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-7ff288c\" data-id=\"7ff288c\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-4e2e873 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"4e2e873\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-696578b\" data-id=\"696578b\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-ae1e531 elementor-widget elementor-widget-heading\" data-id=\"ae1e531\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Business Owners, Executives and Their Families <\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-c8906b4 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"c8906b4\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-b9093d3\" data-id=\"b9093d3\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-ec9fb89 elementor-widget elementor-widget-text-editor\" data-id=\"ec9fb89\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>To support our business owner and executive clients and their families, we utilize a comprehensive and complex process, consisting of a deep dive to thoroughly understand your situation and identify unique circumstances to be addressed. Our team then focuses on developing an all-encompassing plan to meet both your personal and financial goals.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-8c6cfb9\" data-id=\"8c6cfb9\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-771afff elementor-widget elementor-widget-text-editor\" data-id=\"771afff\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Business ownership provides immense satisfaction and pride, gained as a direct result of all your hard work. It also presents you and your family with various wealth planning benefits and opportunities, including Income Splitting, Tax Advantaged Income, and more.<\/p><p>Our group specializes in professional investment advice that utilizes both <strong>Traditional<\/strong> (Stocks, Bonds, GICs, etc.) as well as <strong>Alternative Asset Classes<\/strong> (Private Equity, Real Estate, Private Debt and Mortgages, etc.). We dedicate time to work collaboratively with you and your family\u2019s other advisors to develop, co-ordinate and implement all aspects of your capital and wealth management needs.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-2487e56 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"2487e56\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-2d6ad0a\" data-id=\"2d6ad0a\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-3e6c1b5 elementor-widget elementor-widget-heading\" data-id=\"3e6c1b5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Areas where we add value:<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d79c35f elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"d79c35f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"#RetirementPlanning\">\n\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-check\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Retirement Planning<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"#MinimizingTaxes\">\n\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-check\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Minimizing Taxes<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"#BuyingorSellingaBusiness\">\n\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-check\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Buying or Selling a Business<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"#ReducingConcentratedStockPositions\">\n\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-check\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Reducing Concentrated Stock Positions<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"#IndividualPensionPlans\">\n\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-check\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Individual Pension Plans<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"#EstatePlanningandPhilanthropy\">\n\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-check\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Estate Planning &amp; Philanthropy<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"#PromotingIntergenerationalLiteracy\">\n\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-check\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Promoting Intergenerational Literacy<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-87670b1\" data-id=\"87670b1\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-4907d35 elementor-widget elementor-widget-image\" data-id=\"4907d35\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"2000\" height=\"1328\" src=\"https:\/\/advisor.wellington-altus.ca\/bfg\/wp-content\/uploads\/sites\/110\/2021\/11\/small-business-owners-couple.jpg\" class=\"attachment-full size-full wp-image-342\" alt=\"Small business owners couple\" srcset=\"https:\/\/advisor.wellington-altus.ca\/bfg\/wp-content\/uploads\/sites\/110\/2021\/11\/small-business-owners-couple.jpg 2000w, https:\/\/advisor.wellington-altus.ca\/bfg\/wp-content\/uploads\/sites\/110\/2021\/11\/small-business-owners-couple-300x199.jpg 300w, https:\/\/advisor.wellington-altus.ca\/bfg\/wp-content\/uploads\/sites\/110\/2021\/11\/small-business-owners-couple-1024x680.jpg 1024w, https:\/\/advisor.wellington-altus.ca\/bfg\/wp-content\/uploads\/sites\/110\/2021\/11\/small-business-owners-couple-768x510.jpg 768w, https:\/\/advisor.wellington-altus.ca\/bfg\/wp-content\/uploads\/sites\/110\/2021\/11\/small-business-owners-couple-1536x1020.jpg 1536w\" sizes=\"(max-width: 2000px) 100vw, 2000px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-556e1ba animated-slow elementor-section-boxed elementor-section-height-default elementor-section-height-default elementor-invisible\" data-id=\"556e1ba\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;animation&quot;:&quot;fadeIn&quot;,&quot;background_background&quot;:&quot;gradient&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-20da6c2\" data-id=\"20da6c2\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-c59190e elementor-widget elementor-widget-heading\" data-id=\"c59190e\" data-element_type=\"widget\" data-e-type=\"widget\" id=\"RetirementPlanning\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Retirement Planning<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-63a7d38 elementor-widget elementor-widget-text-editor\" data-id=\"63a7d38\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Business owners and executives often find themselves prioritizing their day-to-day business management responsibilities over their personal financial needs. The Black Financial Group works with diligence to ensure that your financial wealth management maintains a place of priority in your everyday plans. We help you remain focused on your long-term goals and prepare you for the next stage in your life.<\/p><p>Planning for retirement should include both financial considerations and various important emotional and psychological experiences. Our plan can help settle you into your \u201cThird Act\u201d or continue to support your long-envisioned structure for retirement. We strive to be there with you every step of the way.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2e44065 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"2e44065\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-71d6271 elementor-widget elementor-widget-heading\" data-id=\"71d6271\" data-element_type=\"widget\" data-e-type=\"widget\" id=\"MinimizingTaxes\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Minimizing Taxes<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9ff526d elementor-widget elementor-widget-text-editor\" data-id=\"9ff526d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>While building your business requires significant work and effort that can vary over time, one challenge that remains constant is taxes. Most successful business owners look to reduce and minimize their tax liability. By working cohesively with your other advisors (Legal, Tax, Banking, etc.), our customized strategies work to prioritize Tax Minimization, Wealth Transfer Strategies, Investment Selection, as well as Insurance Solutions. Our team can also provide Annual Tax Reports to your Tax Professional that summarize Capital Gains, Dividend and Interest Income needed to file your returns.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7cac64a elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"7cac64a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9ae4148 elementor-widget elementor-widget-heading\" data-id=\"9ae4148\" data-element_type=\"widget\" data-e-type=\"widget\" id=\"BuyingorSellingaBusiness\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Buying or Selling a Business<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-58c09c6 elementor-widget elementor-widget-text-editor\" data-id=\"58c09c6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Perhaps you have recently considered investing in a new business or diversifying your current holdings. As business owners ourselves, The Black Financial Group has a deep understanding of these opportunities and can lend our support. Through our expertise and extensive network, we can help you navigate the complex situations that may arise when investing in, operating, or selling a business.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-cc373ab elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"cc373ab\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3c8dd76 elementor-widget elementor-widget-heading\" data-id=\"3c8dd76\" data-element_type=\"widget\" data-e-type=\"widget\" id=\"ReducingConcentratedStockPositions\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Reducing Concentrated Stock Positions<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8428159 elementor-widget elementor-widget-text-editor\" data-id=\"8428159\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Some senior executives may receive a large amount of their compensation in the form of publicly traded equities. While there are various employee and managerial benefits to this, it can also lead to significant potential risk and tax liabilities. Our group has extensive experience in customized, tailored and diversified portfolio solutions that can effectively diversify your concentrated holding.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f1bdd7a elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"f1bdd7a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-79427cd elementor-widget elementor-widget-heading\" data-id=\"79427cd\" data-element_type=\"widget\" data-e-type=\"widget\" id=\"IndividualPensionPlans\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Individual Pension Plans<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8976c48 elementor-widget elementor-widget-text-editor\" data-id=\"8976c48\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Business owners often forego some of the benefits that regular employees receive (e.g., a pension.) For some Professionals and Business Owners, an Individual Pension Plan (IPP) can be beneficial in offering long term savings and tax benefits, as well as potential creditor protection. As well, saving rates can greatly exceed those of regular vehicles like RRSPs which can allow for more significant growth and compounding over time. IPPs can play an important role in a business owner\u2019s Retirement Plan. Our team has significant experience with the establishment, operation and implementation of Individual Pensions for our clients. We are also well-versed in co-ordination with third party actuaries to ensure ongoing compliance to both tax and funding obligations.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3df53fb elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"3df53fb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a7cf389 elementor-widget elementor-widget-heading\" data-id=\"a7cf389\" data-element_type=\"widget\" data-e-type=\"widget\" id=\"EstatePlanningandPhilanthropy\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Estate Planning &amp; Philanthropy <\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-24c7ab3 elementor-widget elementor-widget-text-editor\" data-id=\"24c7ab3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Planning for your family\u2019s financial security is of primary importance, especially in consideration of unfortunate events that may adversely affect you. For example, in the event of injury or illness, short and long-term disability insurance and critical illness insurance will ensure that you are able to sustain your lifestyle without any negative impact on your net worth.<\/p><p>You may also wish to protect your assets and ensure a smooth transition for your loved ones by leaving a legacy in the form of a gift or inheritance or to pay tribute to the people and organizations that helped shaped your life. Today, many affluent families are interested in philanthropy, particularly while they are still alive and able to witness the impact of their generosity and gain from associated tax benefits. Working with your vision in mind, we can develop various solutions to help meet and support your charitable asset strategies, ranging from setting up a foundation to creating your very own donor-advised fund, among others.<\/p><p>With some careful planning and the right combination of tools, including Wills, Secondary Wills, Trusts and Insurance Policies, our group can create a solid wealth transfer plan that reflects your personal wishes and plays a crucial role for future generations to come.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-41bda06 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"41bda06\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e889c74 elementor-widget elementor-widget-heading\" data-id=\"e889c74\" data-element_type=\"widget\" data-e-type=\"widget\" id=\"PromotingIntergenerationalLiteracy\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Promoting Intergenerational Literacy<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-70a6818 elementor-widget elementor-widget-text-editor\" data-id=\"70a6818\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>When it comes to the intergenerational transfer of wealth there is often more than just a financial inheritance to consider. However, money can be a difficult topic to bring up with your children. The topic of financial literacy is not often or sufficiently taught in schools, nor is an inheritance usually openly discussed at home.<\/p><p>As part of our service commitment to you, we offer our guidance and expertise to help you bridge the educational gap with your children. Family meetings, one-on-one focused sessions, and group educational seminar days are a few ways that we are here to help.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-ae8f523 animated-slow elementor-section-boxed elementor-section-height-default elementor-section-height-default elementor-invisible\" data-id=\"ae8f523\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;animation&quot;:&quot;fadeIn&quot;,&quot;background_background&quot;:&quot;gradient&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-1687adc\" data-id=\"1687adc\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-d4b14cd elementor-widget elementor-widget-heading\" data-id=\"d4b14cd\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Contact us today to arrange a confidential, no obligation review of your investment portfolio and financial plan.<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f029a46 elementor-widget elementor-widget-spacer\" data-id=\"f029a46\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1c9a367 elementor-widget elementor-widget-button\" data-id=\"1c9a367\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-md elementor-animation-grow\" href=\"https:\/\/advisor.wellington-altus.ca\/bfg\/contact\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Contact Us Today!<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-85b4d8d\" data-id=\"85b4d8d\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-8a010c2 elementor-widget elementor-widget-heading\" data-id=\"8a010c2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Here's What You'll Get:<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9994a32 elementor-widget elementor-widget-text-editor\" data-id=\"9994a32\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul><li>A market correction stress test on existing holdings<\/li><li>Breakdown of current investment\/management fees<\/li><li>A tax efficiency analysis<\/li><li>Future tax liability discovery<\/li><li>Review of your existing written financial plan<\/li><li>Last but not least, we\u2019ll tailor a customized proposal based on your financial goals<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Business Owners, Executives and Their Families To support our business owner and executive clients and their families, we utilize a comprehensive and complex process, consisting of a deep dive to thoroughly understand your situation and identify unique circumstances to be addressed. Our team then focuses on developing an all-encompassing plan to meet both your personal [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"elementor_header_footer","meta":{"_oasis_is_in_workflow":0,"_oasis_original":0,"_oasis_task_priority":"","_exactmetrics_skip_tracking":false,"_exactmetrics_sitenote_active":false,"_exactmetrics_sitenote_note":"","_exactmetrics_sitenote_category":0,"footnotes":""},"class_list":["post-297","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/advisor.wellington-altus.ca\/bfg\/wp-json\/wp\/v2\/pages\/297","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/advisor.wellington-altus.ca\/bfg\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/advisor.wellington-altus.ca\/bfg\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/advisor.wellington-altus.ca\/bfg\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/advisor.wellington-altus.ca\/bfg\/wp-json\/wp\/v2\/comments?post=297"}],"version-history":[{"count":3,"href":"https:\/\/advisor.wellington-altus.ca\/bfg\/wp-json\/wp\/v2\/pages\/297\/revisions"}],"predecessor-version":[{"id":449,"href":"https:\/\/advisor.wellington-altus.ca\/bfg\/wp-json\/wp\/v2\/pages\/297\/revisions\/449"}],"wp:attachment":[{"href":"https:\/\/advisor.wellington-altus.ca\/bfg\/wp-json\/wp\/v2\/media?parent=297"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}