Plain-English wealth thinking.

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 a business owner's disability and key person insurance coverage.

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

Corporate-Owned Life Insurance: The Benefits for Business Owners

Life insurance is not only beneficial when you pass away. It can be a valuable financial planning tool for when

6 June 2022

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.