Your Business Runs on You
- Your business.
- Your family.
- Your home.
- Your savings.
- Your retirement.
They all depend on your ability to keep earning.
Most business owners have no workplace disability plan. If illness or injury stopped you from working, your income could stop with you, while business costs, your mortgage and family expenses continue.
And while you are earning, every dollar left in a taxable account is taxed again each year. Protecting your income and keeping more of it go hand in hand.
Tax Strategies Built for Business Owners
RRSP: Lower Your Taxes Today
Contributions reduce your taxable income now, and your investments grow tax-deferred until you withdraw them.
TFSA: Grow Tax-Free
Growth and withdrawals are tax-free, giving you flexible savings you can use for any goal, at any time.
IFA: Put Corporate Surplus to Work
An Immediate Financing Arrangement lets your corporation fund a permanent life insurance policy, then borrow against it to reinvest in the business, with potential tax deductions.
Loans: Access Tax-Free Cash
A cash-value life insurance policy grows tax-sheltered. Through policy loans you can generally access that value without triggering tax.
Most business owners use one or two of these. The checkup shows which ones you may be leaving on the table.
What Will Your Personalized Score Reveal?
Your Financial Runway
See how long your savings could cover personal and business expenses if your income stopped.
Your Income Protection
Find out whether your current coverage would actually replace your income, or whether important gaps remain.
Your RRSP & TFSA Use
Learn whether you are making the most of the tax savings your registered accounts can provide.
Your Tax-Free Growth
Discover whether strategies such as IFAs and policy loans could help your surplus grow and be accessed tax-free.
You will get one score out of 100, split into income protection and tax savings, with four personalized insights.
A Personal Message From Emmanuel
“Before entering financial services, I spent more than 10 years working as an MRI technician in Ontario.
I saw how quickly someone’s health, and the plans they had for their future, could change. For business owners, the risk is even greater, because there is often no employer plan to fall back on.
Today, as an Independent Licensed Agent with World Empowerment Group of Canada, I help business owners do two things: protect the income their business depends on, and keep more of what they earn through RRSPs, TFSAs, IFAs and tax-free cash through policy loans.
My goal is not to pressure you into a decision. It is to help you replace assumptions with a clear plan while you are healthy, earning and in control.”
Protect Your Income. Keep More of It.
Complete the complimentary checkup to receive your personalized Protection & Tax Readiness Score and see which areas deserve a closer look.
Based on your results, you may be invited to a complimentary strategy session with Emmanuel to review your findings and build a personalized action plan.
Please note: We currently serve every province and territory except Manitoba. Manitoba residents can still take the checkup and receive their score.