Corporate & Personal Wealth Planning
You built the business. Your financial strategy deserves the same intention.
Oakridge Savings helps incorporated Canadian business owners coordinate what’s inside the company with what’s outside it — so retained earnings, retirement, and succession all move in the same direction.
Every recommendation is delivered by a licensed advisor and coordinated with your own accountant and legal counsel — never a generic online calculator standing in for advice.
The Gap Most Owners Never Close
Running a business and planning around one are two different disciplines.
Most incorporated business owners are exceptionally good at running their company — and, understandably, far less focused on what happens to the capital that accumulates inside it. Retained earnings sit in the corporation. RRSP and TFSA room goes unused. Retirement becomes something to think about later.
The owners who end up in the strongest position aren’t necessarily the ones who earned the most — they’re the ones who coordinated corporate and personal decisions early enough for the strategy to compound.
Balanced, not aggressive. Strategies are explained with their trade-offs, not sold as guarantees.
Built for owners, not employees. Incorporated business owners have different tools available than salaried Canadians — your plan should use them.
Licensed advisors only. Every conversation is with a licensed advisor, not a call-centre script.
The Oakridge Framework
Three positions. One coordinated strategy.
We look at your corporate position, your personal position, and your long-term trajectory together — because decisions made in one almost always affect the other two.
Corporate Position
Retained earnings, corporate-owned insurance, and the capital your business has built but hasn't yet put to work.
Personal Position
RRSPs, TFSAs, non-registered savings, and the income you and your family rely on outside the business.
Long-Term Trajectory
How today's decisions shape retirement income, succession, and what eventually transfers to the people you care about.
Oakridge exists to coordinate these three positions into a single strategy — rather than leaving your accountant, your insurance advisor, and your investment advisor to work in isolation.
Two Strategies, One Starting Point
Where most engagements begin
Retirement Planning
Coordinating corporate and personal retirement income
A plan for drawing income from the right accounts, in the right order, once you’re ready to step back from the business.
Immediate Financing Arrangement
Keeping capital working while preserving liquidity
A structure that lets your corporation access capital against a permanent insurance policy, without surrendering it.
How an Engagement Works
A clear, unhurried process
- 01
A Conversation, Not a Pitch
We start by understanding how your corporation, your personal finances, and your long-term goals currently fit together — and where they don't.
- 02
A Clear-Eyed Assessment
Your advisor reviews retained earnings, existing structures, and timeline to identify where coordinated planning can meaningfully change your outcome.
- 03
A Strategy Built for You
Recommendations are built around your business, your risk tolerance, and your family — never a generic template applied to every incorporated owner.
- 04
Ongoing Coordination
As your business and retained earnings evolve, your plan is reviewed alongside your accountant and legal counsel to stay aligned.
Seen In Practice
What coordinated planning can look like
Illustrative Scenario — Incorporated Consulting Practice, Ontario
A 54-year-old consulting firm owner had accumulated over $1.4M in retained earnings inside a holding company, most of it sitting in low-yield investments. By restructuring a portion into a coordinated Immediate Financing Arrangement alongside a revised RRSP and TFSA drawdown sequence for retirement, the corporation retained access to its capital while building a second, tax-advantaged pool for retirement income.
$1.4M
Retained earnings reviewed
12 yrs
Estimated planning horizon
4
Accounts coordinated
Hypothetical scenario for illustrative purposes only. Individual results depend on your corporate structure, provincial tax rules, and financial position, and are confirmed by a licensed advisor.
Free Resource
Download Our Free Financial Blueprint
What the CRA Doesn’t Want You to Know
A plain-English look at the corporate and personal planning tools available to incorporated business owners — and the ones most owners never get shown. Balanced, practical, and free.
Get the Free Blueprint- Approximate small business corporate tax rate on active income in most provinces
- ~9%–12%
- Passive investment income above which the small business deduction begins to shrink
- $50K+
- Approximate share of earned income eligible for annual RRSP contribution room
- 18%
Figures are general, approximate, and subject to your province and current CRA rules. They are provided for educational context only — your advisor will confirm figures specific to your situation.
Common Questions
Before you reach out
We work with incorporated business owners, entrepreneurs, and incorporated professionals across Canada — typically owners who have accumulated meaningful retained earnings and want their corporate and personal finances working as one coordinated plan rather than several disconnected pieces.
No. Most owners come to us with a general sense that their retained earnings could be doing more, without knowing which strategy fits. Your advisor will walk through your position and explain what's realistic before recommending anything.
Tax efficiency is part of the picture, but coordinated planning is really about sequencing — deciding which accounts, structures, and strategies to draw on and when, so more of what your business has built ends up available to you and your family.
A licensed advisor will reach out to schedule a conversation. There's no cost and no obligation to proceed — the first call is about understanding your situation, not making a sale.
Ready to see how it fits together?
Speak with a licensed advisor about your corporation, your retained earnings, and what a coordinated plan could look like for you.