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Financial Planning Insights for Incorporated Business Owners

No fluff. No sales. Just the strategies that move the needle for high-income Canadians.

Latest from the blog

Latest articles.

Ocean 6 partner Dave Loncaric considering the financial decisions that give business owners freedom.

Financial Planning

5 Financial Decisions That Give Business Owners Freedom (& 5 That Cause Stress)

It is rarely about the size of the decision. Five financial decisions that create freedom for a business owner, and

11 September 2026

Ocean 6 founder Jay Gangnes meeting with a business owner to discuss her personal financial blind spots.

Financial Planning

5 Questions That Reveal a Business Owner’s Financial Blind Spots

Successful is not the same as secure. Five questions a business owner can use to find the blind spots in

11 September 2026

Ocean 6 founder Jay Gangnes reviewing a financial plan on screen to check whether it is actually working.

Financial Planning

How to Know If Your Financial Plan Is Actually Working

If you can explain your plan in two minutes, it is probably working. Three questions that tell a business owner

11 September 2026

Ocean 6 founder Jay Gangnes reviewing a business owner's disability and key person insurance coverage.

Insurance as a Planning Tool

What Happens to Your Business and Your Family If You Can’t Work Tomorrow

Disability insurance for business owners in Canada is trickier than it looks, especially if you pay yourself in dividends.

4 September 2026

Ocean 6 founder Jay Gangnes in a meeting about aligning a business owner's accountant and financial planner.

Financial Planning

The Most Expensive Mistake Business Owners Make

Your accountant handles last year. Your planner handles the next fifteen. When they never speak, you pay for the gap

4 September 2026

Ocean 6 founder Jay Gangnes reviewing a connected financial plan with a business owner.

Financial Planning

When Your Finances Aren’t Connected, It Quietly Costs You

When your investments, tax, insurance and structure are managed separately, no one owns how they fit. That gap quietly costs

4 September 2026

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Each hub is a structured library of articles, FAQs and tools, designed for the questions our clients actually ask.

Tax-Efficient Compensation

Salary vs. dividend, bonus timing, capital dividend account, and the math behind paying yourself well.

Corporate Structure & Holding Cos

Why holding companies exist, when they’re worth the cost, and how they fit into a long-term wealth plan.

Insurance as a Planning Tool

Why corporate-owned life insurance, when permanent vs term makes sense, and the structural moves nobody tells you about.