Why concentration creates both opportunity and exposure.

Whether you're scaling new growth, planning an eventual exit, or navigating the space between. We help business owners turn decades of work into durable, generational wealth.

For most owners, the business isn't just an asset; it is the balance sheet. Growth creates pride and momentum, but it also ties nearly all of your wealth to one enterprise. That concentration is powerful when markets cooperate, and unforgiving when they don't.

Every stage brings its own pressure points. In the early years, the trade-off is between family security and reinvesting every dollar back into the company. Pre-sale, the questions shift to structure, purification, and after-tax outcomes that can protect millions per shareholder. Post-sale, the challenge becomes turning one liquidity event into lasting lifestyle, disciplined portfolios, and family governance that holds together across generations.

Our role is to make sure those inflection points aren't navigated alone. We coordinate the advisors around you, bankers, accountants, lawyers, into one plan. A plan that keeps business, household, and legacy aligned, so decisions aren't reactive and outcomes aren't left to chance.

Why Business Owners Call Us

Running a private company concentrates nearly every dollar, hour, and decision inside the business. That intensity builds value, but it also creates blind spots.

Owners reach out when complexity begins to outpace the structures around them; when cash flow, tax, family, or deal timing no longer feel coordinated.

The checklists below reflect the real triggers that prompt those calls.

Founders & Growing Businesses

Growth keeps accelerating but personal planning falls behind. Owners call when compensation, diversification, and optionality feel unbalanced.

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Learn How We Work With Founders →

Pre-Sale Owners (1–3 Years to Exit)

The years before a sale carry the most leverage. Calls usually come when structure, incentives, and family planning haven't caught up to the deal horizon.

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Learn How We Work With Pre-Sale Owners →

Post-Sale Owners (After Liquidity)

Liquidity changes the questions overnight. Owners call when cash, family, and purpose need to be organized into a durable system.

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Learn How We Work With Post-Sale Owners →

Founders & Scaling Businesses

Growth is exciting, but it also concentrates risk. Cash flow cycles, reinvestment decisions, and compensation design all pull on the same pool of capital.

Capital strategy drives outcomes. Without a plan, capital gets trapped in the wrong place; either over-concentrated in the business or under-leveraged personally.

Governance sets credibility. Outside investors, lenders, and buyers reward companies with structure. Building clean records signals maturity long before a transaction.


Download our Founders Wealth Guide →

How we work with founders:

  • Balance personal savings with business reinvestment
  • Design compensation strategies that align with family needs
  • Put Holdco and risk structures in place before growth accelerates
  • Model capital stack options for future flexibility
  • Prepare early for liquidity events, even without a sale on the horizon

Pre-Sale Business Owners

When an exit is in sight, the clock starts ticking. Structure, tax purification, estate freezes, and governance all need to be settled well before an LOI.

Preparation drives valuation. Buyers reward diligence readiness. If the balance sheet is clean and share structure purified, negotiations stay focused on value.

Family alignment reduces risk. Many exits break down not in the boardroom, but at the kitchen table. Getting family aligned prevents pressure at the worst time.


Download our Pre-Sale Wealth Guide →

How we work with pre-sale owners:

  • Purify corporate structure to preserve QSBC/LCGE eligibility
  • Coordinate tax and trust strategies before closing
  • Build liquidity frameworks that anticipate life after the deal
  • Align family governance and expectations ahead of negotiation
  • Model deal structures for after-tax outcomes before signing

Post-Sale Business Owners

Liquidity changes everything. One transaction now funds lifestyle, philanthropy, and legacy. Without structure, that wealth can drift or create tension.

Segmentation builds resilience. Dividing capital into lifestyle, reserve, and legacy pools creates clarity without competing priorities.

Purpose sustains momentum. After the close, many owners struggle with identity. Reframing capital around impact and family priorities brings meaning back.


Download our Post-Sale Wealth Guide →

How we work with post-sale families:

  • Segment liquidity into lifestyle, reserve, and legacy pools
  • Build disciplined investment policies for each pool’s purpose
  • Design philanthropy strategies through Donor Advised Funds or Foundations
  • Implement governance frameworks that strengthen relationships
  • Coordinate tax, estate, and cross-border structures

Backed by BMO Private Wealth

Behind our team is the depth of BMO Private Wealth; one of Canada's largest platforms for business owners and families with complex financial lives. You don't have to navigate it alone. We connect you directly to the right specialists and keep the plan on one calendar.

The decisions you face cross banking, succession, estate, and family systems. Without coordination, they fragment. With one team aligning each step, you get clarity and confidence.

Private Banking

Personal credit, mortgages, and day-to-day liquidity managed in sync with your family and holding company structures.

Commercial Banking

Lending for acquisitions, working capital, or corporate expansion, structured to align with your overall transition plan.

Business Advisory

Guidance on valuations, deal structures, and transition strategies so you're prepared before opportunities or pressures arrive.

Cross-Border Planning

Structures for U.S. or global holdings that prevent double taxation and keep capital mobile.

Trust & Estate Services

Continuity across generations and jurisdictions, ensuring assets transfer cleanly and intentions are honoured.

Family Office Resources

Governance, philanthropy, and succession frameworks that keep wealth and family aligned over time.

Our Insights

Each stage of ownership brings turning points.

From building to selling to life after an exit, these white papers highlight the decisions that matter most and show you how to stay prepared.

Growing Business Owners

Your business is scaling quickly, but your wealth is still tied up inside it. We show you how to align growth with personal planning so you keep control and optionality.

You Only Sell Once

The years before a sale carry the most leverage and can influence your sale. We help you prepare early so your exit is clean, tax-efficient, and supports the life you want.

After the Exit Guide Cover

After the Exit

Liquidity changes more than just the balance in your bank account. We help you turn a one-time event into lasting stability, family continuity, and a sense of purpose.

Ready to Talk Strategy?

We'll help you bring the moving parts together.

Book a Strategy Session