Impact Wealth

Business Investing

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Your business.
Your wealth. Aligned.

Strategic Investing for Entrepreneurs

Your business is one of your most powerful wealth-building tools.

At Impact Wealth, we help entrepreneurs and incorporated professionals make the most of it — investing retained earnings and surplus cash with structure, purpose, and efficiency. We start with your goals and values, then design strategies that align your corporate and personal plans.

Through access to public, private, and alternative investments — strategies often used by the ultra-wealthy — we help diversify portfolios, reduce volatility, and protect capital. The result: your corporation grows and preserves wealth tax-efficiently, turning business success into long-term family security and legacy.

Corporate Investment Solutions

Private & Alternative Investments
Diversify beyond public markets with institutional-grade opportunities offering income stability, low correlation, and enhanced tax efficiency.

Group Retirement Savings Plans (GRSPs)
Reward and retain key employees with tailored, tax-efficient retirement plans that build loyalty and long-term value.

Individual Pension Plans (IPPs)
Maximize retirement income and deductions for incorporated professionals and business owners.

Retained Earnings Strategies
Invest surplus corporate cash with coordinated planning across investment, insurance, and tax strategies.

Holding Company Structures
Manage surplus cash, protect assets, and reduce tax drag on investment income.

Family Trusts & Wealth Transfer
Preserve and distribute wealth efficiently across generations or charitable causes.

Corporate Class Mutual Funds
Optimize after-tax returns by minimizing taxable distributions within corporate portfolios.

High-Interest Savings & GICs
Maintain liquidity and preserve capital with secure, short-term options.

Our S.M.A.R.T. Investing Approach

S

Start with Goals & Values

We establish your goals & values to ensure our investment recommendations align. As a leader in Sustainable Investing, we tailor strategies designed to reduce Environmental, Social and Governance (ESG) risks and deliver results.

M

Mitigate Taxes

Smart investing considers both return and efficiency. Our strategies are designed to reduce tax impact during wealth accumulation, retirement, and the transfer of wealth to the next generation — helping you keep more of what you earn and preserving your legacy with care.

A

Asset Allocation Selection

We build diversified portfolios across asset classes — equities, fixed income, and cash — while evaluating the unique role of insurance as an asset class. Unlike most firms, we also provide access to private and alternative opportunities once reserved for the ultra-wealthy.

R

Review Special Considerations

Every client’s situation is unique. We evaluate business-owner needs, creditor protection, family and estate considerations, philanthropy, and sustainable investing priorities to ensure your portfolio truly reflects your values and vision.

T

Tailored Best-in-Class Solutions

We view our role much like a professional coach — guiding, challenging, and connecting you with elite talent. We partner with world-class portfolio managers who share our standards of excellence, discipline, and care.

Frequently asked questions

How can I protect my investments from creditors?

Segregated funds (seg funds) are a type of investment product offered by insurance companies. Similar to mutual funds, Seg Funds come with additional features such as principal protection and creditor protection, making them attractive for individuals seeking to safeguard their investments against creditors.

How can I grow my corporate investments and reduce my tax bill?

The use of both private and public investment solutions can reduce and defer taxes.

Fidelity Investments Corporate Class and Tax-Smart Solutions™ can both save and defer taxes. Key advantages include: interest income is taxed as capital gains to reduce taxes, Fidelity’s industry leading structure and for corporate investors, tax savings through the business Capital Dividend Account (CDA).

What other solutions can reduce my taxes and transfer wealth to my beneficiaries?

By using a Corporate Participating Life Insurance (ideally inside a Holding Company), business owners can put excess cash to work in a tax-efficient way by both generating income and providing a tax-free death benefit. Key advantages include: tax-efficiency, liquidity, flexibility, better risk adjusted returns and an attractive death benefit.

We help navigate life’s most important financial decisions

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