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 partner Dave Loncaric discussing the financial decisions that matter most for business owners.

The Financial Decisions That Matter Most for Business Owners (And When to Make Them)

The decisions that shape a business owner's outcome rarely feel urgent, so they get pushed. How you pay yourself, the

25 August 2026

Ocean 6 financial advisor reviewing how dividends are taxed in Canada with a business owner client.

How Are Dividends Taxed in Canada? A Business Owner’s Guide

How taxable dividends are taxed in Canada: the gross-up, the dividend tax credit, integration, eligible vs non-eligible, and what dividends

23 July 2026

Investing Corporately vs. Personally: The Winning Strategy For You

Should you invest your money personally or inside your corporation? Let’s dive into the key differences between investing personally vs.

7 June 2024

How to Invest and Save Tax Using Your Corporation

Many business owners are not fully using their corporations to invest and manage tax. The good news is that it

5 September 2023

Salary vs. Dividends: How to Pay Yourself

Which is right for you, salary or dividends? Being incorporated gives you flexibility in how you pay yourself, and that

12 June 2023

How Business Owners Can Pay Less Tax in Canada

Stop throwing your hard-earned money away on taxes. Here are five tips to help reduce your corporate tax bill and

30 March 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.