Family Enterprise Advising
Offered by Access Private Wealth Corp.
Access is a long-term partner to high-net-worth families who own and operate successful businesses, supporting corporate financial health through disciplined planning and coordinated strategy. We also work with business-owner families on the governance and human dimensions of wealth – addressing family dynamics, leadership transition, and facilitation to support effective decision-making and responsible stewardship across generations.
The Access Formula
We begin by developing a thorough understanding of your business and coordinating with your professional advisors to assess your personal and corporate financial structure in full.
Corporate Tax Protection
Corporate tax planning plays a critical role in sustaining long-term business value. We work with business-owning families to evaluate tax considerations within the broader context of corporate structure, cash flow, and succession objectives.
Holding
Companies
In certain circumstances, owning a business through a holding company can provide structural, tax, and risk-management advantages. Determining whether this approach is appropriate requires careful consideration of corporate structure, cash flow, and long-term objectives.
Incorporating
Your Company
Incorporation can offer meaningful tax and planning advantages for certain businesses, but it is not appropriate in every situation. Determining whether incorporation makes sense requires an assessment of income levels, cash flow, growth plans, and long-term objectives.
Shareholder
Agreements
When a business is owned by multiple shareholders - whether partners or family members—clear agreements are essential to managing risk and ensuring continuity. Shareholder agreements help establish expectations, decision-making processes, and mechanisms for addressing change.
Individual
Pension Plan
An Individual Pension Plan (IPP) can be an effective retirement planning tool for certain incorporated business owners, offering defined-benefit pension features within a structured, tax-aware framework.
Business
Succession
Business succession is a significant transition that requires careful planning across financial, tax, and family considerations. We can help determine how and when ownership and leadership should be transferred which is central to preserving both enterprise value and family relationships.
Selling
Your Business
Exiting a business is a significant financial and personal milestone that requires careful planning well in advance of a transaction. Tax structure, timing, and coordination across advisors can materially affect outcomes.
Group RRSP and Benefit Plans
Group RRSP plans
We help businesses design group RRSP plans that provide flexibility and control for employers, while supporting employee participation and choice. Contribution levels, plan design, and the degree of employer involvement are structured to align with organizational objectives and compensation philosophy.
Group Benefit Plans
We work with business owners to review available group benefit providers and evaluate plan features in the context of workforce needs, cost considerations, and overall compensation strategy including Health Spending Accounts.
Corporate Planning in Toronto, Mississauga, Ancaster and Southern Ontario.
The financial experts at Access specialize in tax strategies that will protect you, your family, and your business. We’re passionate about growing the local business community and look forward to saving you thousands of dollars in taxes every year.