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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 founder Jay Gangnes reviewing corporate structure and tax planning for incorporated professionals in Canada.

Incorporated Professional in Canada: What Doctors, Lawyers, and Consultants Need to Know

If you're a doctor, lawyer, dentist or consultant with a corporation, the rules aren't the same for everyone. What changes

19 August 2026

Holding Company in Canada: Is It Worth Setting One Up?

A holding company (HoldCo) in Canada is an ordinary corporation used mainly to own shares in another company or to

2 May 2025

How to Set Up Your Corporation for Success

A Canadian corporate structure may use one operating company on its own, a holding company above or alongside it, and

16 August 2024

Shareholder Loans What it is and How Does it Work

Shareholder Loans: What it is and How Does it Work?

Whether you’re the sole business owner or a shareholder in an incorporated partnership, understanding shareholder loans is essential to maximizing

29 February 2024

How to Invest Inside Your Holding Company

You have cash built up inside your holding company, and you’re ready to invest it and make that money work

23 November 2023

Should My Spouse be a Shareholder of My Company?

You likely already share a home with your spouse, but should you share your business and make them a shareholder

23 October 2023

Topic Hubs

Browse by topic.

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.

Financial Planning

Why plans built for a paycheque fail an owner, how planners get paid, and what to look for in one.

Exit, Succession & Sale

What the 3–5 years before a business sale should look like, and the moves that change the after-tax number.

Intergenerational Wealth

Trusts, family meetings, estate freezes and the work of moving wealth, and values, to the next generation.

Ocean 6 Newsletter

Financial planning and wealth insights for incorporated professionals and business owners.