Business Advice

Early phase

You’ve launched your business and are building momentum — now it’s time to plan ahead.

Working with hundreds of entrepreneurs, we understand the unique challenges of growth and the importance of building a strong foundation early on. Our holistic approach helps future-pace your needs, identifying risks and opportunities before they arise. We provide insurance gap analyses to protect what you’re building and access to Canada’s #1 Employee Benefits program – Chambers Plan, to support you and your growing team with clarity and confidence.

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Growth phase

You’ve moved beyond start-up and your business is thriving — now you’re asking, what’s next?

Should you take more money out personally, reinvest in the company, or explore other options? At this stage, we help business owners evaluate corporate structures that support both growth and long-term planning. You may be ready to consider a Holding Company or Family Trust, which can allow you to split income, defer or reduce taxes, and minimize capital gains on future transitions — while helping avoid probate costs.

We work in partnership with your accountant and legal advisors to ensure every strategy fits your goals and supports sustainable, tax-efficient growth.

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Maturity phase

For many business owners, a significant portion of their wealth is tied to the eventual sale or transition of their company. When the time comes to step away, will you — and your business — be ready?

At this stage, we help you plan your succession and exit strategy with foresight and precision. From valuing your business and identifying successors to structuring the sale and preparing for life after ownership, careful planning helps preserve value and minimize tax.

We work closely with your accountant, legal, and valuation partners to ensure a smooth, confident transition — so what you’ve built continues to thrive, and your next chapter begins with clarity and purpose.

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Frequently asked questions

I’m a sole proprietor, should I incorporate my business?

Deciding when to incorporate depends on several factors, including business growth potential, tax advantages, liability protection, and access to capital.

We help you evaluate the timing and structure that make sense for your situation, working with your accountant to ensure incorporation supports both your business and personal goals.

My business is well established and growing. I have more cash than I need to fund my business and my lifestyle, what do I do now?

You may be ready to consider setting up a Holding Company and, in some cases, a Family Trust.

These structures can help you protect assets, defer or reduce taxes, and plan for future wealth transfer. We work closely with your accountant to assess the pros and cons, ensuring your structure fits your goals and your stage of growth.

I’m considering retirement and want to sell my business, where do I start?

After working with hundreds of entrepreneurs across Atlantic Canada, we understand that selling a business is both a financial and very personal decision – it’s not easy.

We help you and your accountant determine how much you need — and how much you want — to fund your next chapter. From evaluating whether to sell shares or assets to identifying the right buyer (family, management, or external), we help structure your exit for maximum value and minimum tax.

We help navigate life’s most important financial decisions

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