Service Description

At 𝐓𝐞𝐧𝐚𝐜𝐢𝐨𝐮𝐬 𝐖𝐞𝐚𝐥𝐭𝐡, we specialize in delivering personalized, strategic financial solutions that empower business owners to take control of their wealth. By understanding the unique needs of entrepreneurs and professionals, we design customized strategies that minimize tax liabilities, protect assets, and foster long-term growth. Whether your focus is scaling your business, building generational wealth, or planning for a secure retirement, we provide the expertise and guidance to help you achieve your goals with confidence. One of the most effective tools we incorporate is corporate permanent insurance planning. Unlike temporary coverage, permanent insurance offers both protection and a powerful financial strategy for corporations. It can provide: 1. 𝐓𝐚𝐱-𝐞𝐟𝐟𝐢𝐜𝐢𝐞𝐧𝐭 𝐠𝐫𝐨𝐰𝐭𝐡: The policy’s cash value grows tax-deferred within the corporation, creating a stable and predictable asset. 2. 𝐂𝐚𝐩𝐢𝐭𝐚𝐥 𝐝𝐢𝐯𝐢𝐝𝐞𝐧𝐝 𝐚𝐜𝐜𝐨𝐮𝐧𝐭 𝐛𝐞𝐧𝐞𝐟𝐢𝐭𝐬: Upon the death of a shareholder, the insurance proceeds—paid to the corporation—can be credited to the Capital Dividend Account (CDA) and distributed tax-free to beneficiaries. 3. 𝐀𝐬𝐬𝐞𝐭 𝐝𝐢𝐯𝐞𝐫𝐬𝐢𝐟𝐢𝐜𝐚𝐭𝐢𝐨𝐧: Corporate-owned life insurance adds stability to your portfolio and creates a non-correlated asset class. 4. 𝐖𝐞𝐚𝐥𝐭𝐡 𝐭𝐫𝐚𝐧𝐬𝐟𝐞𝐫 𝐞𝐟𝐟𝐢𝐜𝐢𝐞𝐧𝐜𝐲: Helps ensure a smooth, tax-advantaged transfer of wealth to heirs or successors. 5. 𝐁𝐮𝐬𝐢𝐧𝐞𝐬𝐬 𝐜𝐨𝐧𝐭𝐢𝐧𝐮𝐢𝐭𝐲 𝐚𝐧𝐝 𝐥𝐢𝐪𝐮𝐢𝐝𝐢𝐭𝐲: Provides funds for buy-sell agreements, key person protection, or debt repayment, ensuring the business remains strong through transition. By integrating corporate-owned permanent insurance with broader tax and investment strategies, business owners can unlock significant advantages—preserving wealth, reducing erosion from taxes, and strengthening their long-term legacy.