Our way of workingProfessionals and Businesses

Our way of doing has been crafted with many years of experience and is today a process that stands out.

From the identification of your objectives to the monitoring of your progression after the implementation of the action plan defined by your advisor, our strategy is personalized and humane in order to represent you as faithfully as possible.



1. Identify the Objectives

This preliminary step ensures a sound understanding of the business’s situation and of the directors’ intentions. We seek to find what sets the business apart, its short, mid and long-term needs as well as the directors’ concerns.


2. Gathering of Relevant Data and Accessing It

We look at past decisions and analyze to what extent they can lead you to where you wish to go.


3. Identification of Improvement Opportunities

With a full series of analysis, we look at how to accelerate the achievement of the corporate objectives and those of its directors.

These steps can be translated into components of our analysis. Based on the objectives, we can perform all or only certain elements of the process.

Step A

Death Risk Management

This analysis concerns the owner, the associates as well as key staff.
We evaluate a range of risks as varied as:

  • protection of the business’s creditors;
  • loss of revenue after the death of an associate or of a key staff member;
  • loss of corporate value for surviving shareholders;
  • cost of share buybacks between partners in respect of the shareholders’ agreement;
  • funding for the payment of taxes arising from a death

Step B

Disability Risk Management
  • Understanding the impacts that the disability of a director or key staff member would have on the business;
  • Calculation of the cost of replacing a director on the organization’s profitability;
  • Analysis of the solutions already implemented in regards to the objectives.


Step C

Retirement Planning and Assets Allocation Planning

Your business is an important part of your retirement estate but it is often your riskiest investment. However, you have control over a multitude of factors that can have positive repercussions on the final result.

We will forecast your future assets in order to see if the pace of your savings and growth suffice to achieve your objectives.

Thereafter, we analyze your entire asset portfolio to understand its strengths and weaknesses. This is done in parallel with the analysis of your capacity to take (or not) certain risks in order to analyze if your current strategy can be detrimental to you in the long-term.

Step D

Analysis of the Benefits Offered to Employees

Please refer to our Group Insurance and Group Annuity Management section for details.

Step E

Tax and Estate Planning

You have an array of experts close to you; we can also be a part of them.
We offer you an external opinion on your situation. The goal is not to replace the people you trust but to offer a second opinion to ensure that all the legal and tax aspects have been considered, even those that might sometimes go unnoticed:

  • analysis of the shareholder agreement;
  • analysis of your devolution strategy in the event of a death;
  • analysis of the tax effectiveness of your structure;
  • analysis of the estate cash flow in order to cover estate tax.

4. Presentation of the Financial Plan and of an Action Plan That Target Your Priorities

After one or all of the analysis have been carried out, it is time to review the available improvement options and to prioritize them, taking into consideration time and cash flow constraints to get it all achieved.


5. Action Plan Implementation

At this step, we put all of our energy on the implementation of our recommendations and the creation of the value attached to our recommendations. In sum, you are on your way to achieving your objectives!


6. Progress Follow-up

To maintain an updated plan and to ensure that we continue to comply with your objectives, we proceed to a review of your plan and of the results according to a schedule that suits you and your situation.