SGA Wealth

SGA Wealth delivers advanced estate planning for high-net-worth Canadians, integrating tax, corporate, primary wills, secondary wills, POAs, discretionary family trust, insurance, and succession strategies within a unified framework. Our focus is on minimizing tax exposure and preserving multi-generational wealth with clarity and control.

SGA Wealth structures Corporate-Owned Life Insurance as a tax-efficient corporate asset for business owners. Our approach integrates CDA planning, ACB management, and post-mortem tax strategies to enhance liquidity, preserve retained earnings, and support tax-efficient wealth transfer.

SGA Wealth designs integrated retirement strategies that coordinate registered assets, corporate holdings, and investment portfolios to generate sustainable, tax-efficient income. Our approach aligns income sequencing, risk management, and estate objectives to preserve capital and maintain long-term financial stability.

SGA Wealth structures tax-exempt life insurance as a compliant corporate strategy to shelter growth, optimize CDA credits, and enhance estate liquidity. Our approach integrates corporate tax planning, retained earnings deployment, and succession objectives to improve long-term after-tax wealth transfer efficiency.

SGA Wealth delivers integrated financial planning that coordinates income, investments, taxation, retirement, and estate considerations within a unified strategy. Our structured approach enhances tax efficiency, strengthens long-term liquidity, and aligns capital with clearly defined financial objectives.

SGA Wealth delivers integrated tax planning that aligns personal, corporate, and estate structures to minimize tax exposure and preserve long-term wealth. Our approach combines technical precision, scenario modelling, and legislative compliance to optimize after-tax outcomes across generations.

SGA Wealth designs and administers Individual Pension Plans to help incorporated professionals and business owners maximize retirement contributions and corporate tax deductions. Our integrated approach aligns actuarial funding, investment strategy, and compliance management to deliver structured, tax-efficient retirement security.

SGA Wealth structures critical illness and disability insurance to protect income and preserve liquidity for professionals and business owners. Our approach aligns coverage design with corporate tax planning to safeguard personal and business stability.

SGA Wealth delivers integrated succession planning for private and family-owned businesses, aligning tax strategy, corporate structuring, and estate objectives to ensure seamless ownership transitions. Our approach preserves control, minimizes tax exposure, and protects long-term enterprise value across generations.

SGA Wealth provides IRCC-compliant Super Visa and Visitor Visa insurance solutions designed to protect parents and grandparents visiting Canada. Our structured approach ensures reliable medical coverage, support with claims, and alignment with broader family financial planning objectives.

SGA Wealth provides integrated, tax-efficient planning and administration of RRSPs, RESPs, TFSAs, and FHSAs for individuals, families, and business owners. Through coordinated tax, legal, estate, and investment strategies, and partnerships with leading Canadian financial institutions.

SGA Wealth provides integrated term and permanent life insurance planning within a comprehensive wealth framework, aligning coverage with tax strategy, estate planning, and corporate structuring to deliver income protection, estate liquidity, and long-term wealth preservation with technical precision and ongoing oversight.