As a business owner, you've spent years building your company, creating wealth, and providing for your family.
The challenge isn't simply growing your assets—it's ensuring they are structured efficiently, protected from unnecessary taxation, and transferred according to your wishes.
At The ReFrame Group, we help incorporated business owners develop tax and estate planning strategies designed to preserve more of what they've built and create certainty for the future.
Your corporation, personal assets, family goals, and future tax obligations are interconnected. Treating them separately can leave planning opportunities—and significant wealth—on the table.
ReFrame brings the moving pieces together, working alongside your accountant and legal advisors to create one coordinated strategy.
A significant tax bill may be triggered when corporate shares and other assets pass to the next generation.
Accessing retained earnings without a coordinated strategy can create avoidable personal and corporate tax.
At death, assets may be treated as though they were sold—creating tax precisely when your family needs liquidity.
A valuable business or property portfolio does not necessarily create the cash required to settle taxes and expenses.
The loss of an owner can leave employees, family members, and shareholders without a clear path forward.
Unequal inheritances and unclear intentions can turn a successful enterprise into a source of lasting division.
" The greatest risk isn't paying tax. It's paying more tax than necessary because planning was delayed.


The following examples are illustrative and have been simplified for educational purposes.
You tell us a bit about yourself
Book a online consultation with an advisor.
One-on-one review of your current situation.
Implementation of your personalized plan.
A corporately owned permanent insurance policy isn’t just about protection — it’s a powerful planning asset:
Ideal for business owners looking to extract capital tax-efficiently and create an intergenerational asset.
You insure your equipment, vehicles, and office — but what about you?
Split-dollar critical illness coverage offers:
Protect your business continuity — and recover your investment if you don’t claim.
Most business owners are overpaying tax on investment income. We help you:
Our asset management philosophy prioritizes tax efficiency and strategic clarity, not just performance.