Fee-For-Service Financial Planning for Incorporated Professionals & Business Owners
Your financial life,
done for you.
Your financial life, done for you.
One CFP®-led team. Every advisor in your world moving in concert with a single plan that compounds.
250+
Canadian clients served
40+
Years of planning experience
CFP®
Certified planner-led team
★★★★★5.0
Rated on Google
Are you a fit for the Do It For You Method?
30-Second Check
Income threshold
You earn $500K+ in gross income as an incorporated professional, or your business generates $200K+ in net income (or you are trending toward one of those thresholds).
Corporate structure
You are an incorporated professional, corporation, or operating company.
Planning philosophy
You want the plan to lead, not another product pitch.
Time horizon
You are thinking in decades, not quarters or quick wins.
Advisor readiness
Your financial life has outgrown the advisor who got you here.
Three or more apply? You're probably exactly who we're built for.
Choose Your Path
Where are you right now?
The plan looks different depending on whether you own a business or earn through a professional corporation. Pick the path that fits, we'll show you exactly how Ocean 6 fits into your world.
path 1
I'm an Incorporated Professional
Physician, dentist, optometrist, lawyer, engineer, consultant, earning through a professional corporation.
- $500K+ in gross income
- Mix of corporate and personal cash flow
- Underused tax-deferral and corporate structure
- Multiple advisors not talking to each other
path 2
I'm an Established Business Owner
You've built something real. Now you need a plan for the wealth coming out of the business, not just inside it.
- $200K+ in business net income, or trending there
- Operating company + holding company structure
- Exit, succession, or scale on the horizon
- Cash trapped, plans fragmented, time scarce
Fear to Clarity
You think you have a plan.The numbers say otherwise.
Most high-earning Canadians have an accountant who files. A banker who manages an account. An advisor who manages an RRSP. What almost none of them have is a single coordinated strategy. Here is the gap, in numbers.
"I already have an advisor. Aren't they doing this ?"
6%
of Canadians say they are getting truly comprehensive financial advice.
J.D. Power, 2023
43%
of people with a financial plan don't feel their advisor understands their goals.
J.D. Power, 2023
"I'll deal with this later."
90%
of major financial life events aren't managed proactively.
OECD financial lifecycle research
1 in 3
Canadians avoid financial decisions because the picture feels overwhelming.
Financial Consumer Agency of Canada (FCAC)
"This feels too expensive."
200%
more likely to experience anxiety about money without a financial planner.
FP Canada, 2025
"My bank does this for free."
45%
of advisors failed a basic financial knowledge test conducted by a regulator.
U.S. regulator study
You don't need another advisor. You need a coordinated plan. That's what
Ocean 6 is.
You don't need another advisor. You need a coordinated plan. That's what Ocean 6 is.
How We're Different
We act as your financial quarterback.
Most advisors offer a single service and leave you to manage everyone else. Ocean 6 leads with the plan, then coordinates your entire financial team around it. You make the calls. We run the plays.
You, managing everyone.
Each professional gives you one piece of advice. You become the translator, the coordinator, the project manager. Decisions slip through the cracks because nobody owns the whole board.
Ocean 6, quarterbacking the team.
You set the direction. Ocean 6 runs the plays, briefing your professionals, driving deadlines, and making sure every move strengthens the next. One plan, one cadence, one accountability.
A Question We Hear Often
"Isn't this what my accountant does?"
It's the right question. And the honest answer is: no, and they'd be the first to tell you that. Your accountant is essential. They're just not built to do what Ocean 6 does, and confusing the two is one of the most expensive mistakes high-earning Canadians make.
Your Accountant
Reactive, compliance-led, year-by-year.
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Files the return you already earned.
They optimize what already happened, not what's about to.
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Operates inside a single tax year.
Decisions in February are about last year's books. Multi-year planning isn't their billable model.
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Doesn't see your personal balance sheet.
Your RRSPs, TFSAs, insurance, and family planning sit outside their scope.
-
Doesn't coordinate your lawyer, banker, or insurance broker.
Each professional works in isolation, by design.
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Bills by the hour or by the return.
The incentive is to be efficient, not strategic.
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Reactive to your questions.
If you don't ask about a holdco, an estate freeze, or a CDA strategy, it's unlikely to come up.
Ocean 6
Proactive, plan-led, decade-by-decade.
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Plans the return you haven't earned yet.
We design the structure first so the tax return is an output, not a surprise.
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Operates across 10, 20, 30 years.
Every decision is connected to a long-arc plan, and revisited quarterly.
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Sees the entire balance sheet.
Corporate, personal, insurance, real estate, estate, under one strategy.
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Quarterbacks your full team.
Your accountant, lawyer, banker and insurance broker, coordinated, briefed, and moving in the same direction.
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Fee-based, flat planning relationship.
Our incentive is to add measurable value year after year, not to maximize transactions.
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Proactive by design.
We bring the tax move, the structural move, the insurance move, before you have to ask.
Your accountant and Ocean 6 are designed to play different positions, not the same one. Compliance and proactive planning are both essential, they're just rarely the same job. Whichever accountant you work with, we slot in to coordinate the long-arc strategy alongside them.
The Other Common Question
"How are you different from other financial planners?"
Most "financial planners" in Canada are licensed to sell one thing, investments, insurance, or mutual funds, and the plan exists to support the sale. Ocean 6 inverts that. The plan is the product. Insurance and investments are how we execute it.
Typical Financial Planner
Product-led. Single-pillar.
-
Licensed in one discipline.
Investments OR insurance OR banking, rarely all three under one roof.
-
The "plan" is a sales tool.
Often free, often generic, often pointing toward a specific product recommendation.
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Compensated by product sales.
Commission, trailer fees, embedded compensation, the math runs in the background.
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Reviews tied to market performance.
"How did the portfolio do this quarter?", not "is the plan still right?"
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Limited scope.
Tax, estate, corporate structure and business succession sit outside the typical engagement.
-
You manage the rest of your professionals.
Your accountant and lawyer remain on your shoulders to coordinate.
Ocean 6
Plan-led. Eight-pillar.
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CFP®-led, multi-disciplinary team.
Wealth advisory, insurance and CIRO-regulated investments, under one accountability.
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The plan is the product.
Transparent fee. We earn the relationship year after year through measurable value.
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Fee-based, plain English pricing.
No commission games, no hidden trailer math. You see what you pay.
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Reviews tied to plan performance.
"Is the plan still right for who you are now?", every quarter.
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All eight pillars actively managed.
Cash flow, tax, investments, retirement, insurance, estate, business, legacy.
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We coordinate your team.
Direct conversations with your accountant, lawyer and banker, driven by us, not by you.
The Ocean 6 Eight Pillars
Eight parts of your financial life. One coordinated plan.
Most advisors plan one or two of these and call it a financial plan. The Ocean 6 plan covers all eight, and connects them, so every decision you make in one pillar strengthens the others.
Goals
We start by getting clear on what your dream life looks like. Your goals are the foundation for every financial decision that follows.
Cash Flow
We take an in-depth look at your income, assets and debts, then design a behavioural cash flow strategy that funds your goals without sacrificing your life.
Corporate Structure
Your corporation is a powerful financial tool. From how you pay yourself to how retained earnings get invested, we make it work for your wealth.
Tax Planning
Taxes are often your biggest single expense. We proactively design your plan to minimize what you pay now and across the next 20 years.
Risk Management
Insurance is a planning tool, not a product. Whether to eliminate risk, plan a legacy, or shelter tax, we structure it to support the plan.
Investment Management
Returns are only one part of portfolio management. We balance management fees, risk tolerance and tax efficiency to maximize what actually lands in your pocket.
Debt Management
Lowest interest rate is not the whole story. We look at the total cost of borrowing so you win on the math, not the bank.
Legacy
Maximize every dollar to build the legacy you want to leave behind. Your wealth stays with your family, not with the CRA.
Every Ocean 6 client has all eight pillars actively managed, not because every pillar is a priority every year, but because they all connect.
Proof in the Outcomes
What Ocean 6 clients say.
"
They showed me how to save over $15,000 in taxes just by restructuring how I pay myself. It's the best ROI I've had all year.
JT
Dr. James T.
Incorporated Professional
"
Before Ocean 6, my accountant handled my taxes and my advisor handled my RRSPs, but nobody was looking at the big picture. Ocean 6 connected the dots between my corporation and my personal life. The clarity is incredible.
SM
Sarah M.
Marketing Agency Owner
"
If you have that little voice in your head asking "am I set up the best way possible?", you need to see Ocean 6. I would pay triple if I was asked to start over.
JM
Jon Malach
CEO, Native Ads
"
Having their support to strategize the best options for both our company and our personal finances has been instrumental to our success. I highly recommend it if you're looking for a roadmap.
JL
Justine & Melanie Levenberg
Founders, Impact Entrepreneurs
Proof in Real Outcomes
What clients actually got for the fee.
Real Ocean 6 clients. Names changed, numbers are not.
Retiring early to the life of his dreams.
Paul · 45 · Marketing Agency Owner
Paul wanted to retire in five years, sell his $6M marketing agency, free up his time, and travel with his family. The challenge wasn’t the sale. It was minimizing the tax burden on the way out so retirement actually arrived early.
The Ocean 6 plays: Family trust naming both spouses and their two children as beneficiaries, multiplying access to the Lifetime Capital Gains Exemption to shelter $4M of sale profit from tax. Holding company structured as a trust beneficiary to receive pre-sale profits cleanly and simplify the eventual transaction.
$1M
Tax burden eliminated on business sale
2 homes
Vacation properties purchased post-retirement
From financial chaos to clarity.
George · 29 · Software Engineer & Business Owner
George was earning well and saving harder, but without a coordinated plan, his wealth was concentrated in company stock, exposed to unnecessary tax, and scattered across accounts in two countries. He wanted a down payment on his dream home, real passive income, and the bandwidth to launch his next venture.
The Ocean 6 plays: Restructured corporate activities to immediately recover annual tax leakage. Built a diversification strategy that moved net worth out of single-stock concentration. Consolidated investment accounts across countries into one real-time view.
$40K /yr
Annual tax savings, compounding indefinitely
1 view
Holistic, real-time picture of his finances
Outcomes are specific to each client's situation. Your plan won't look exactly like Paul's or George's, but the way we'd build it will.
250
+
Canadian families & business owners served
40
+
Years of planning experience
8
Pillars of wealth actively coordinated
CFP®
All lead advisors are Certified Financial Planners