Plan your retained corporate earnings as one integrated picture. Not four separate decisions.
Mary brings tax, insurance, estate, and corporate structure into a single 30-minute conversation. Complimentary. No pressure. Watch the message below.
A different way to plan corporate wealth.
Most business owners with retained earnings have four advisors. An accountant. A lawyer. An insurance advisor. An investment advisor. Each doing their job well. Nobody asking how those decisions affect each other.
Integrated Authority
Licensed across tax, estate, and insurance. Mary evaluates how decisions interact before they are implemented. Not after problems surface.
Structural Foresight
Where corporate capital should live depends on ownership, control, and future use. Not short-term tax savings. Not product performance.
Coordinated Stewardship
Mary refuses to implement strategies in isolation. Your accountant and lawyer are welcome on the call. A good plan should stand up to scrutiny.
The cost of waiting.
A physician came to Mary with $1.2 million sitting in her corporation. She knew she needed a plan. She kept putting it off. Eighteen months later, that delay had cost her over $400,000 in tax exposure she could no longer fix. Same client. Same year. A different sequence of decisions.
Every year you wait, options quietly narrow.
Tax problems compound. Insurance gets more expensive. Estate structures get more complex. Some windows do not reopen. The best time to integrate was yesterday. The second best time is right now.
Three steps. For decisions you can't easily undo.
A process built so retained capital moves intentionally, not reactively. Frame the decision. Integrate the structure. Commit with confidence.
Frame The Decision
Clarify what is at stake. What assumptions are being made. What future scenarios must be protected. The 30-minute discovery call lives here.
Integrate The Structure
Evaluate retained capital across tax, insurance, ownership, and personal planning. Three to five working sessions to design the integrated strategy.
Commit With Confidence
Move forward only when the decision holds up across time, control, and flexibility. Implementation begins. Future options stay open.
Most business owners aren't afraid of making the wrong decision. They're afraid of making one they can't undo. So we slow the decision down just enough to see the consequences clearly. Then we move with confidence.
Fewer than 200 practicing advisors in Canada hold all three together.
Mary is one of them. The 30-minute discovery call is where those three lenses get pointed at your situation, in the same conversation. No handoffs. No silos. No decisions made in isolation.
Common questions, direct answers.
How does this actually work?
Mary sits down with you, looks at your full picture, and shows you where money is being lost or where you're quietly closing doors. Then one plan, where everything works together. Not four separate plans. One.
The first call is a 30-minute discovery call. From there, we typically meet three to five times to design a strategy that fits your situation, your goals, and your timeline.
What does it cost?
If we decide to work together after that, the cost depends on the strategy we design for you. Some strategies have no upfront cost because we are compensated by the institutions we work with. Others involve a planning fee depending on the complexity of your situation.
Either way, you'll understand exactly what's involved, what you're paying for, and what the expected outcome is before you commit to anything.
I already have an accountant. Why do I need Mary?
Your accountant makes sure your tax returns are filed correctly and CRA stays happy. Mary looks at how your tax, insurance, estate, and corporate planning decisions affect each other, and makes sure they're working together.
Mary doesn't replace your accountant. She works alongside them. In fact, your accountant is welcome on a future call. A good plan should stand up to scrutiny.
Why isn't everyone doing this?
Mary is one of fewer than 200 practicing financial advisors in Canada licensed across tax (Chartered Professional Accountant), estate planning (Trust and Estate Practitioner), and insurance (Chartered Life Underwriter) together.
It's not that people don't want this. It's that the right person to do it is hard to find.
What if I change my mind later?
Every strategy is designed with options and decision points built in, so you are not locked into something you cannot adjust. As your situation evolves, the plan evolves with it.
What kind of returns can I expect?
Our strategies play a different role: tax efficiency, capital preservation, and estate liquidity. Think of it as strengthening the foundation, not chasing performance.
If you are comparing this to chasing investment returns, this isn't the right conversation. If you are comparing it to having $400,000 of tax exposure surface at death, it's the most important one you can have.
Bring your situation. We'll look at it as one picture.
Spend 30 minutes with Mary. You'll leave with a clearer view of your tax, insurance, estate, and corporate structure. And exactly what questions to ask your current advisors. Even if we never work together.
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