Affiliations & Credentials
Accredited, regulated, and connected.
Backed by recognized professional designations, industry bodies and regulators.
We are an independent, fee-only, advice-only planning practice for people whose financial lives span medical professional corporations, retained earnings, investments, tax, retirement income and family legacy. We help you coordinate the moving parts, make confident decisions, and keep the plan current year after year.
Many physicians and business owners have capable professionals around them. An accountant handles tax filings, an investment advisor may manage investments, and a bookkeeper may keep the records clean.
But often, no one is planning the personal and professional financial future together beyond the next quarter or the next year. That is where we add value: a clear picture of where you are, what you can afford, what tradeoffs matter, and what decisions should be made next.
For physicians and other clients whose personal, corporate, tax and estate decisions need to work together.
Doctors with medical professional corporations making salary-versus-dividend, retained earnings, corporate investing, practice-model and retirement-income decisions.
Planning for physicians ->Owners and families coordinating corporate assets, tax, succession, estate planning and intergenerational wealth while protecting family harmony and after-tax wealth.
Great financial decisions aren't made once. We begin with a comprehensive plan, help you put it in place, then stay alongside you as life, markets and tax rules change.
A comprehensive, holistic plan covering income, tax, investments, risk and estate - so every part of your situation works in sync.
We translate the plan into clear, prioritized actions, explained in plain language so you know exactly what to do and when.
Life changes, and so should your plan. We review annually, fine-tune your income and tax strategy, and answer your questions year after year.
Salary, dividends and retained earnings affect tax, CPP, RRSP room, mortgage qualification, benefit planning and future flexibility. Move the sliders to compare a simplified compensation mix.
Assumes all after-tax corporate income is paid as dividends, and uses adjustable effective personal tax rates for salary and dividends. Illustrative only; actual planning depends on province, CPP, RRSP room, practice model, refundable tax accounts and your accountant's advice.
Estimated personal after-tax cash under the selected mix
After comprehensive information-gathering, we build an integrated roadmap across your corporation, household, tax picture, retirement income and estate plan, explained clearly enough to act on.
Each client's situation is different and results vary. Here is what one recent plan delivered for a couple.
Every client of ours gets a private, interactive dashboard - your personal and corporate financial future in one place, that you can actually explore. Drag through the years and watch income, taxes, withdrawals, government benefits, estate values and net worth update in real time.
Ken took our jumbled mess of investments that we had just tossed together over the years without any strategy, sorted it out, and came up with a few scenarios of how we are going to retire. I'm so thankful that not only did Ken tell us the truth, but the next few scenarios he laid out for us gave us massive amounts of hope. With Ken's guidance, we now know where we are and how to make the slight changes we need to retire exactly how and when we want.
- Janelle & Rob PettiferBacked by recognized professional designations, industry bodies and regulators.
Email us directly at info@bracketplanning.ca, or book a call to start the conversation.