Your business, our business..

As a business owner or entrepreneur, your financial journey is unique, and navigating it effectively requires personalized strategies and expert guidance. At KMD Group, we specialize in empowering business owners like you to achieve your financial goals and unlock new opportunities for growth. Here's how we can add value to your journey:


  1. Tailored Financial Planning: We understand that your business is more than just a source of income—it's your passion and your legacy. That's why we take a holistic approach, integrating your personal and business finances to create a comprehensive financial plan that aligns with your goals and aspirations.

  2. Strategic Risk Management: The road to success is paved with uncertainties, but with our strategic risk management solutions, you can navigate challenges with confidence. We'll assess the risks associated with your business and personal assets, developing customized strategies to protect your wealth and secure your future.

  3. Tax Optimization Strategies: Paying unnecessary taxes can erode your wealth over time. Our team of tax experts will work diligently to optimize your tax strategy, minimizing your tax liabilities while ensuring compliance with Canadian tax laws. With our proactive approach to tax planning, you can keep more of what you've earned.

  4. Diversified Investment Opportunities: Beyond your core business, there's a world of investment opportunities waiting to be explored. We provide access to a diverse range of investment options, including Canadian stocks, bonds, real estate, and alternative investments. Our goal? To help you build a robust investment portfolio that generates sustainable returns.

  5. Private and Corporate Lending Solutions: Access to capital is essential for business growth. We offer private and corporate lending solutions tailored to your needs, providing flexible financing options to fuel your business expansion, acquisitions, or other strategic initiatives.

  6. Retirement Planning Made Easy: Planning for retirement shouldn't be daunting. With our guidance, you can approach retirement with confidence, knowing that your financial future is secure. We'll help you design a retirement plan that aligns with your lifestyle goals, ensuring that you can enjoy the fruits of your labor for years to come.

  7. Seamless Succession Planning: Whether you're thinking about passing your business on to the next generation or preparing for a future sale, we're here to help you navigate the complexities of succession planning. Our experienced advisors will work closely with you to develop a customized succession strategy that preserves your legacy and maximizes value.

  8. Access to Exclusive Networks: As a valued client of BMO Private Wealth, you'll gain access to our extensive network of professionals, including lawyers, accountants, and industry experts. Whether you need legal advice, accounting services, or strategic business insights, we'll connect you with the right people to help you succeed.

  9. Personalized Support Every Step of the Way: Your success is our top priority, and we're committed to providing you with personalized support every step of the way. From proactive financial reviews to timely market updates, we'll keep you informed and empowered to make confident decisions about your financial future.

Our Role is to Help You:

  • Grow your business by creating a well devised financial plan and roadmap
  • Make sensible investments to preserve what you've built, while seeking opportunities for growth
  • Save you time and worry about making the right investment choices and keep you focused on your business and lifestyle
  • Plan a smooth succession and transfer or divestiture
  • Translate your proceeds into income that fuels a great lifestyle, and peace of mind

We advise all kinds of businesses! Ranging from...

  • Individual/Working Professionals

  • Small Businesses

  • Farms/Agriculture

  • Restaurants/Food Services

  • Charities

  • Technology Companies

  • Law firms/Lawyers

  • Doctors/Medical Practitioners

Unlocking Tax Efficiency for your Business..

Optimized Corporate Structures: As a Canadian business owner, structuring your business efficiently can lead to significant tax savings. Our team will work with you to identify the most tax-efficient corporate structure for your business, taking into account factors such as income splitting, tax deferral strategies, and small business tax deductions.

Maximizing Tax-Advantaged Accounts: Take advantage of tax-advantaged accounts such as Registered Retirement Savings Plans (RRSPs), Tax-Free Savings Accounts (TFSAs), and Registered Education Savings Plans (RESPs) to minimize your tax liabilities and build wealth for the future. We'll help you maximize your contributions to these accounts while optimizing their tax benefits.

Capital Gains Planning: Selling your business or investment assets can trigger significant capital gains taxes. Our team will develop strategic capital gains planning strategies to minimize the tax impact of asset sales, including the use of capital gains exemptions, rollover provisions, and other tax-efficient techniques.

Estate Freeze Strategies: Preserve your wealth for future generations with estate freeze strategies designed to minimize estate taxes and maximize the tax-deferred growth of your assets. We'll work with you to implement effective estate freeze structures, including family trusts, corporate reorganizations, and gifting strategies.

Tax-Efficient Investment Strategies: Invest smarter with tax-efficient investment strategies tailored to your unique financial situation. From tax-loss harvesting to dividend reinvestment plans, we'll help you maximize after-tax returns while minimizing the impact of taxes on your investment portfolio.

Strategic Retirement Planning for Business Owners...

Individual Pension Plans (IPPs): As a high-net-worth business owner, you may have already maxed out your RRSP contributions or find traditional retirement savings vehicles insufficient for your needs. IPPs offer a powerful alternative, allowing you to contribute significantly more than RRSPs while providing enhanced retirement benefits.

Pension Maximization Strategies: Beyond IPPs, we'll explore a range of pension maximization strategies to optimize your retirement income while minimizing your tax liabilities.

Non-Registered Investment Strategies: If you've reached your contribution limits for tax-advantaged accounts like RRSPs and TFSAs, non-registered investment accounts offer additional opportunities for tax-efficient wealth accumulation.

Tax-Optimized Withdrawal Strategies: Withdrawing funds from your retirement accounts in a tax-efficient manner is crucial to maximizing your after-tax income in retirement. We'll develop customized withdrawal strategies that balance your immediate financial needs with long-term tax planning considerations, helping you optimize your retirement income while minimizing unnecessary tax burdens.

Estate and Succession Planning: Protect your wealth for future generations with comprehensive estate and succession planning strategies. Whether you're planning to pass your business on to family members or sell it to a third party, we'll work with you to develop a tax-efficient succession plan that preserves your legacy and minimizes estate taxes for your heirs.

Charitable Giving and Legacy Planning: Leave a lasting impact on the causes you care about while optimizing your tax situation with strategic charitable giving and legacy planning strategies.