Overview
Jason and Michelle came to Access in their mid-40s with a thriving manufacturing business, three children, and $6M in investible assets – but their financial life was scattered across multiple providers, with limited transparency and no single plan tying it all together. They wanted one trusted relationship to manage their wealth, optimize their tax position, and build a strategy that would carry their family through the next several decades.
Problem Statement
A successful business and a growing portfolio aren’t the same as a coordinated plan. Jason and Michelle had the assets – what they were missing was clarity, consolidation, and confidence that every opportunity to build their family’s wealth was being captured.
Challenge
– Their financial life was spread across multiple service providers, with no single advisor accountable for the family’s overall position – making it difficult to see whether anything was actually working together.
– Jason’s role as CEO of a $25M business meant the family carried significant complexity across corporate tax, dividend strategy, business succession, and personal wealth – yet none of it was being managed as a single, integrated plan.
– Reliable corporate tax strategies were a stated priority, but the family lacked confidence that current arrangements were leveraging every available opportunity.
– A sound business succession and exit plan was needed to protect the value Jason had built — but no formal strategy existed.
– The couple wanted efficient wealth transfer to their three children, including planning for their children’s portfolios, with no clear framework in place.
– Above all, Jason and Michelle wanted full transparency – they needed to see exactly what was happening with their portfolio, why each decision was being made, and what value was being delivered.
Our Solution
Access built a Complete Wealth Management relationship designed around consolidation, transparency, and long-horizon strategy:
1. One Consolidated Relationship. We took on the full scope of the family’s financial life – personal investments, corporate strategy, tax planning, insurance, estate, and the children’s portfolios – under a single coordinated plan with one accountable team.
2. Corporate and Personal Tax Strategy. We reviewed the family’s full tax position and identified opportunities across corporate structure, dividend strategy, and personal income to keep more of what they earn working for them – both today and at eventual exit.
3. Business Succession Framework. We laid the foundation for Jason’s eventual transition out of Northern Office Solutions, with a succession and exit strategy designed to protect the value he’s built and minimize tax at the point of sale.
4. Multi-Generational Planning. We extended the plan to the next generation – building a strategy for efficient wealth transfer to Jax, Melissa, and Cameron, including their own portfolios, so the family’s wealth is positioned to compound across generations.
5. Full Investment Management with Real Transparency. We took on discretionary management of the family’s portfolio with clear, plain-language reporting, regular reviews, and direct access to the team – so Jason and Michelle always know what’s happening, why, and what comes next.
Results
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“Results Quote”
Frequently Asked Questions
I have multiple advisors and accounts spread across different providers. Is consolidation really worth the effort?
For most successful families, yes – and the difference is usually larger than expected. Fragmented relationships make it nearly impossible to see whether your overall strategy is working, often duplicate fees, and almost always leave tax and planning opportunities uncaptured. Consolidating with Access brings every piece of your financial life under one accountable team, with one coordinated plan and full visibility into how each decision supports the others.
I’m not planning to sell my business for years. Is it too early to start succession planning?
Quite the opposite – the earlier you start, the more options you have. Succession planning isn’t about preparing to leave; it’s about protecting the value you’ve spent years building, so that when the right moment comes, you’re not making major decisions under pressure. We typically begin building a framework five to ten years ahead of any anticipated transition.
How does Access provide transparency into what’s happening with our portfolio?
Transparency is one of our core commitments. You receive clear, plain-language reporting on portfolio performance, the strategies being used, and the value being delivered – reviewed at a cadence that suits you. You’ll always have direct access to your advisor team, and you’ll never have to ask twice to understand why a decision was made.