FOR CANADIAN INCORPORATED BUSINESS OWNERS
Who gets more of YOUR money?
Your family, or the CRA?
For incorporated business owners watching too much of their profits disappear in tax. Steve designs the strategy that grows your retained earnings tax-free, lets you borrow against them without personal tax, and writes off the interest.
30 minutes of your week could save you 5 to 6 figures in tax every year you're in business.
P.ENG + AUTHOR
PROPERLY DESIGNED WHOLE LIFE
NO PRESSURE. NO PITCH.
THE THREE THINGS THAT CHANGE EVERYTHING
The strategy does three things the average policy can't.
When a corporate-owned whole life policy is properly designed, it solves the three biggest tax problems incorporated business owners face. Tax-free growth. Tax-free access. Tax-deductible interest. Here's how each one works.
01
Tax-Free Growth Inside Your Corp
The cash value grows tax-deferred inside the policy under Canadian tax law. Not affected by stock market drops. Not affected by economic downturns.
The growth compounds year after year, and the longer it runs, the more efficient it gets.
02
Access Without Personal Tax
Instead of withdrawing the cash value (which would trigger tax), you borrow against it. The loan proceeds aren't income, so no personal tax is triggered. The policy keeps compounding while you've borrowed.
You access your money without giving a chunk to the CRA
03
Write Off The Interest
When the borrowed funds are used for investment purposes, the loan interest is tax-deductible under Canadian tax law.
The same money grows your wealth, pays you back, and reduces your tax bill.
You become your own bank.
A REAL CLIENT. REAL NUMBERS
One client's before and after.
A consultant in energy efficiency. Making good money. Watching over 50% of his income go to taxes, fees, and costs. His bank and accountant kept pushing RRSPs. Here's what happened when Steve redesigned the structure.
Path 1: Stay the Same
50% of income disappearing in tax, fees, and interest
$15,000 a year paid to the bank in loan interest
Retained earnings sitting trapped, taxed on withdrawal
RRSPs as the only "tax strategy"
Burnout. No vacation in five years.
Path 2: Properly Designed
Saved approximately $15,000 in interest payments per year
Reduced personal taxes by 12%, keeping $11,500+ per year
Properly designed whole life compounding tax-efficiently
Projected additional $3.2 million for retirement
Booked first family vacation in five yearsBullet List 1
Numbers as quoted by client. Individual results vary based on underwriting, contribution levels, and policy design.
Here’s What Other Entrepreneurs Are Saying About Us
The entrepreneurs we’ve worked with didn’t just get a financial plan—they got peace of mind, control over their future, and the confidence that comes from knowing their money is working for them.
🗣️ Maxwell Gauthier
"Steve helped me go from feeling completely overwhelmed by taxes and finances to having a clear, simple strategy that makes sense for me as a business owner. He helped me reduce my tax burden significantly and gave me more time to focus on growing my business."
🗣️ Jamie Leblanc
"I can’t recommend Steve enough. His knowledge of tax strategies and the Infinite Banking Concept has been invaluable to me. I finally feel in control of my wealth and confident about my financial future."
🗣️ Barb Hatfield
"Without the proper mindset, we often spend money trying to solve a problem, to seek relief from stress, or believe buying things will make us happier. Steve's wealth mindset process will teach you how to take back financial control of the money they earn and understand their money habits. The best part? I feel secure, knowing my wealth is protected and growing."
🗣️ Dave Carroll
"Steve is the Jerry Maguire of Financial Planning."
WHY IT MATTERS WHO DESIGNS IT
Most whole life policies are designed wrong. The ones Steve designs are different.
Most policies are expensive. Inflexible. Built to benefit the advisor through high commissions, not the owner through high cash value.
That's why whole life has a reputation as a bad investment. For most policies, it's a fair reputation.
There's another way to design a policy. Low cost of insurance. High cash value. Flexible. Built to benefit the owner first.
Same product. Completely different outcome.
This is what Steve specialises in. He's a Professional Engineer who applies analytical precision to financial planning, and he detailed the framework in his book Grow, Control, and Keep Your Money, available on Amazon.
HOW IT WORKS
From your first call to your first compounding year.
Three steps. No surprises. No pressure to commit at any stage.
Step 01
Intro Call
30 minutes
A casual conversation to understand where you're at. Your business. Your situation. What's keeping you up at night. No jargon. No pressure. No sales pitch. If there's a fit, we go deeper. If not, you walk away with clarity.
Step 02
Discovery and Illustration
Two sessions, roughly 90 minutes total
Steve models the strategy for your specific corporation. Shows you exactly how a properly designed whole life policy would compound year after year inside your corp. Answers every question. You leave with a complete picture before you decide anything.
Step 03
Implement and Compound
4 to 6 weeks for underwriting
When you're ready, the application takes about 30 minutes. Policy is issued within 4 to 6 weeks depending on underwriting. Tax benefits start in year one. From there, bi-annual reviews keep the strategy compounding for decades.
WISDOM. INTEGRITY. KINDNESS.
Stop giving more to the CRA than your own family
30 minutes of your week. Could save you 5 to 6 figures in tax every year you're in business. No pressure. No sales pitch. Just a conversation to see if there's a fit..
Limited Capacity: Save your spot before we reach our limit. Apply now!
Want to speak with me directly about how to design an even better financial future?
