01PAGE 2
Structure
Explore whether to retain your current arrangement, move cash outside the operating company, or review ownership and succession.
Where should the money sit?
FOR CANADIAN BUSINESS OWNERS
Give your corporate cash a strategic direction.
You’ve built up money in your company. Now consider how it can support the life, business and legacy you’re building.
Explore how corporate structure, investments, insurance and personal planning fit together, with tax considerations at every step.
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THE CORPORATE CASH GUIDE01 / 09
Structure. Invest. Protect. Plan.PDF GUIDE
START WITH THE BIGGER PICTURE
The question isn’t only what to buy.
It’s where the money belongs, what it needs to do, and how you’ll eventually use it.
INSIDE THE GUIDE
Four connected decisions.
One more informed conversation.
Bring a clearer set of questions to your accountant, lawyer and financial advisor.
02PAGES 3–4
Invest
Compare savings, GICs, bonds, funds, stocks, property and business investments alongside access to cash and investment taxation.
What should the money do?
03PAGES 5–6
Protect
Understand the roles of insurance, including term, permanent and critical illness coverage, and the questions around policy ownership.
What needs protecting?
04PAGES 7–9
Plan
Connect corporate and personal investing with retirement, family wealth and the tax considerations that arise at death.
How will the money reach you?
TAXATION CONNECTS EVERY DECISION
Transfers / Investment income / Personal withdrawals / Taxes at death
A USEFUL PLACE TO START
For the money your
business has already earned.
This guide starts after operating needs and known commitments have been considered. It focuses on the bigger decisions around surplus corporate cash.
It is a starting point for a coordinated review, not a recommendation to restructure, invest or buy insurance.
You’re accumulating retained earnings.You want to understand the options before choosing a product or another corporate entity.
You’re connecting business and personal wealth.You want to compare keeping money inside the company with building investments personally.
You’re thinking beyond the next investment.Retirement, a future sale, family succession or your estate may change what makes sense today.
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Does the guide recommend a specific strategy?
No. It introduces options and considerations for a discussion with your professional advisors. Your company, province, cash needs and personal plans all matter. The content is general education, not personalized financial, tax or legal advice.
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