Guidance for Founders and Entrepreneurs: From Seed to Scale

You're building the future, moving at a speed that outpaces traditional financial advice. As your company grows, your personal wealth becomes more complex.

Our role is to build a financial architecture that scales with you, turning your vision into lasting personal and family wealth.

Your cap table is complex. Your personal wealth shouldn't be.

As a founder, your wealth is on paper, tied up in equity, subject to vesting schedules, and influenced by dilution from each funding round.

The line between your company's finances and your own is almost non-existent. This creates unique challenges that typical financial plans miss: a lack of liquidity, extreme concentration risk, and uncertainty about qualifying for tax exemptions like the LCGE.

We specialize in navigating this complexity. We act as the personal CFO for founders, helping you make sense of your equity, build personal wealth outside the company, and structure your finances to be ready for any opportunity, from the next funding round to an eventual exit.

A Framework for Every Stage of Journey

Financial documents and a calculator, representing organization and growth.

The Growth Stage

Your focus is building value. We provide the financial architecture.

	Structuring for Growth: We help establish the right corporate structure (Holdco, Trust) early to maximize tax efficiency and prepare for future financing or sale.
	Building Personal Wealth: We create a clear plan to build a nest egg outside the business, reducing your personal risk and creating financial independence from your company.
	Founder Protection Planning: Integrating insurance and contingency plans to protect your equity, your family, and the business you're building.

A mature tree, symbolizing legacy, preservation, and generational wealth.

The Liquidity Stage

Your focus is crystallizing value. We quarterback the financial transition.

	Pre-Exit Tax Planning: We coordinate with your team to implement strategies that maximize your access to the Lifetime Capital Gains Exemption (LCGE) and minimize taxes upon sale.
	Financial Modeling Your Future: We coordinate with your team to implement strategies that maximize your access to the Lifetime Capital Gains Exemption (LCGE) and minimize taxes upon sale

Post-Sale Owner

Your challenge is preserving value. We build your enduring legacy.

	Post-Liquidity Diversification: We design a portfolio to transition you from concentrated founder risk to durable, long-term wealth, protecting what you've built.
	Family Governance & Philanthropy: We help establish structures like Family Trusts and Foundations to manage your legacy and steward wealth for the next generation.

Backed by BMO Private Wealth

Our team is backed by BMO Private Wealth, one of Canada's largest platforms for founders and entrepreneurs.

You get coordinated tax, planning, and liquidity advice — not siloed conversations.

Founder Readiness Check

Quick scan the essentials before a term sheet, secondary, or exit.

Net-of-tax proceeds are quantified for each class of share. QSBC eligibility and any required purification are complete and recorded. Tax and legal advisors have reviewed preferred deal structure and earn-out terms. Day-1 and Day-30 post-close liquidity allocations are drafted. Any rollover or vesting equity is modeled for tax exposure and control. Family trust and philanthropic plans are incorporated into the structure. Insurance and estate documents are updated before closing. Spouse/partner expectations about the transition are aligned.

Your Personal Family Office

We bring together the investment, planning, and administrative expertise of a full family office; integrated through one advisory team and coordinated with your accountant, lawyer, and other advisors.

INVEST

Public Equity and Fixed Income Portfolios
Access to Alternative Investments
Disciplined Portfolio Construction
Lending Solutions via BMO Private Banking
Institution Research and Due Diligence

PLAN

Dedicated Advisory Team For Your Family
Cash Flow and Retirement Modelling
Estate and Succession Planning Support
Insurance and Risk Management Integration
Specialized Transition Planning Expertise

COORDINATE

Collaboration with Your Advisors
Tax Strategy Aligned Planning
Philanthropic and Foundation Guidance
Proactive Account Administration
Continuity Planning for Next-Generation

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.

Download Founders Guide

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.

Download Pre-Sale Guide

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.

Download Post-Sale Guide

Frequently Asked Questions

Who do you typically work with?

Canadian families and individuals with meaningful complexity, multiple accounts or entities, concentrated positions, cross border considerations, or multi generational goals. Most have $1M+ in investable assets, but fit and complexity matter more than thresholds.

What does working together look like in the first 90 days?

We map your balance sheet and cash flows, consolidate accounts and documents, identify quick wins (tax, risk, liquidity), and establish a written plan and Investment Policy Statement. We also set the cadence for coordination with your accountant and lawyer.

Do I need to move all my assets to work with you?

No. Many families begin with planning and coordination, then transition portfolios over time. We can manage assets where appropriate and advise on held away accounts so the whole plan stays aligned.

How do you work with my accountant and lawyer?

We act as your coordinating advisor: shared agendas, clear responsibilities, and one calendar. We prepare materials in advance, run point on follow ups, and ensure tax, legal, insurance, and investment decisions integrate into one plan.

How are you compensated?

Transparent, fee based compensation. For discretionary portfolios we charge an asset based fee; for planning and coordination we outline the scope and associated fees up front. Our incentives are aligned with long term outcomes.

What’s the minimum portfolio size?

Typical starting point is around $1M in investable assets, but we prioritize fit and the value of coordination. If you’re facing complexity, we’re happy to start the conversation.

Founders