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Business Owners And Entrepreneurs

Make Your Business And Personal Wealth Work Together

You’ve built the business. Now your corporate structure, tax plan, retirement strategy, succession plan and estate plan need to work together.

Carney Lyster & Associates provides financial advice for business owners who want to turn business success into lasting personal and family wealth.

Make Your Corporate Structure Work Harder

As your business grows, the way it’s structured can have a significant effect on tax, cash flow and long-term planning.

We’ll help you consider questions such as:

Are you paying yourself efficiently?
Should more money remain in the corporation?
Would a holding company make sense?
Are your corporate and personal plans connected?
Are you using the strategies available to Canadian business owners?

We’ll work alongside your accountant and other specialists to keep the advice coordinated.

Create A Personal Paycheque From Your Business

A profitable company doesn’t automatically create a strong personal financial plan.

A financial planner for business owners can help determine how salary, dividends, corporate savings and investments may support your lifestyle today and your retirement later.

The goal is to help you access the wealth you’ve built efficiently while preserving the long-term value of the corporation.

Understand What Your Business Is Worth

Your business may be one of your largest assets, but its value isn’t always clear.

Understanding what it may be worth can help you plan for:

Retirement for business owners
A private business sale
Family succession
A partner buyout
An unexpected transition
Long-term estate planning

We’ll connect the estimated value of your company to your broader personal financial plan.

Build A Stronger Business Exit Strategy

A successful business exit usually requires years of preparation.

Your business exit strategy may involve improving the company’s value, reducing its reliance on you, preparing for tax obligations and deciding what will happen to the sale proceeds.

Whether you’re selling the business, transferring it to family or stepping back gradually, starting early can give you more control and more options.

Prepare For Business Succession

Business succession planning should consider more than who’ll take over.

A coordinated plan may address:

Ownership and control
Funding the transition
Tax consequences
Fairness among family members
Your future retirement income
Insurance and estate planning

We’ll help make sure the succession plan works for both the company and your family.

Coordinate Your Professional Advice

Business owners often work with accountants, lawyers, insurance professionals and other specialists. You shouldn’t have to oversee every relationship alone.

Our family office-style approach helps keep everyone working toward the same plan.

We’ll research the questions, bring in the right specialists and make sure important details don’t go unanswered.

Our Burlington-based team serves business owners in Oakville, Hamilton, Halton Hills and throughout Ontario. We’re also licensed in Alberta and British Columbia.

Start Planning What Comes Next

Your business and personal finances shouldn’t operate as separate plans.

Book a meeting with our team to discuss your corporate structure, tax planning, retirement, succession and business exit goals.

Carney Lyster & Associates
Private Wealth Management
IG Wealth Management Inc.
Mutual Fund Division

Contact

905.874.6280
1.833.874.6280
james.carney@igpwm.ca

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_{Mutual funds and investment products and services are offered through the Mutual Fund Division of IG Wealth Management Inc. (in Quebec, a firm in financial planning). Additional investment products and brokerage services are offered through the Investment Dealer, IG Wealth Management Inc. (in Quebec, a firm in financial planning), a member of the Canadian Investor Protection Fund.}

_{Insurance products and services distributed through I.G. Insurance Services Inc. (in Québec, a Financial Services Firm). Insurance license sponsored by The Canada Life Assurance Company (outside of Québec). Mortgages are offered by Investors Group Trust Co. Ltd., a federally regulated trust company, and arranged by nesto inc. Licences: Mortgage Brokerage Ontario #13044, Saskatchewan #316917, New Brunswick #180045101, Nova Scotia #202507230; British Columbia, Alberta, Manitoba, Newfoundland/Labrador, PEI, Yukon, Nunavut, Northwest Territories. Mortgage advisors are licensed professionals and equivalent to the following titles per province: Sub Mortgage Broker/Mortgage Broker in British Columbia, Mortgage Associate/Mortgage Broker in Alberta, Associate/Mortgage Broker in Saskatchewan, Salesperson/Authorized Official in Manitoba, Mortgage Agent/Mortgage Broker in Ontario, Mortgage Associate/Mortgage Broker in New Brunswick, Associate Mortgage Broker/Mortgage Broker in Nova Scotia, or Mortgage Broker in Newfoundland & Labrador.}

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