Corporate, Estate & Wealth Planning
Planning for Canadian Business Owners Whose Corporations Hold More Than the Business Needs
When surplus builds inside your corporation, the questions change: how to grow it tax-efficiently, how to get it out over time, and how it benefits your children and passes to the next generation. We help you answer them, coordinated with your accountant and lawyer.
A deliberate plan for corporate surplus
- Tax-efficient strategies, evaluated with your accountant before anything is implemented.
- Legal documents and opinions come from your lawyer — we coordinate, we don't replace.
- Planning for capital beyond operating needs — with the business and your children in view.
For incorporated owners with $250K+ in retained earnings, or $100K+ in annual profit left in the corporation.
Who we work with
Is this you?
- Your corporation is consistently profitable
- $250K+ in net retained earnings, or $100K+ in profit left in the corporation each year
- You already pay yourself what you need personally
- You want corporate surplus working for both the business and your children
- You could commit $15K+ per year to long-term planning without straining the business
- You're thinking about estate, succession or a future sale
Who we're not the right fit for
- Businesses that are not incorporated.
- Corporations without meaningful surplus beyond operating needs.
- Owners looking for bookkeeping, tax preparation or accounting help — we refer those to our accounting partners.
If that's you today, our Insights are free, and we'd be glad to talk when the surplus is there.
Common questions
Common questions we help answer
What should I do with surplus sitting in my corporation?
ExploreHow do the passive income rules affect my corporate investments?
ExploreHow can corporate surplus benefit my children tax-efficiently?
ExploreHow do I get money out of my corporation tax-efficiently over time?
ExploreWhat happens to my corporation's investments when I die?
ExploreIs corporate-owned life insurance right for my corporation?
ExplorePlanning areas
Four areas. One coordinated plan.
Corporate Surplus Planning
Put corporate surplus to work tax-efficiently, inside and outside the corporation.
Learn moreEstate Planning
Plan what happens to your corporation and wealth when you die — before it becomes urgent.
Learn moreSuccession Planning
Structure the transfer of your business to family, management or a buyer.
Learn moreCorporate-Owned Life Insurance
How corporations use life insurance to fund buy-sell agreements, cover tax at death and build value.
Learn moreHow we fit in
Your accountant and lawyer stay at the centre
We coordinate with your existing advisors
Planning works when everyone is at the table. We work directly with the accountant and lawyer you already trust.
Tax and legal opinions come from them
Every strategy is reviewed with your accountant and lawyer before implementation. Nothing moves forward without their sign-off.
We never compete with them
We do not offer accounting, bookkeeping, tax preparation or legal services — so we never compete with your advisors for their work.
How it works
A simple, no-pressure process
Qualification questionnaire
Tell us about your corporate surplus, long-term capacity and family goals.
Discovery call
For qualifying owners, a free conversation about the business and your family goals.
Analysis, coordinated with your advisors
We develop options and review them with your accountant and lawyer.
Recommendations, no pressure
You get clear recommendations. You decide what — if anything — to implement.
Insights
Latest insights
Plain-language articles on corporate, estate and wealth planning for Canadian business owners.
Corporate Surplus & Passive Income
When Does Corporate Surplus Planning Become Relevant?
How to distinguish operating capital from surplus and recognise when long-term corporate planning may add value.
October 19, 2026 · 1 min read
Estate & Succession
How Can Corporate Surplus Benefit Your Children?
A starting point for connecting corporate surplus with your family's future, coordinated with your accountant and lawyer.
October 19, 2026 · 1 min read
Corporate Surplus & Passive Income
What Should I Do With Retained Earnings in My Corporation?
Planning for surplus in your Canadian corporation: investment income, extraction over time and value for your children, coordinated with your accountant.
October 18, 2026 · 2 min read
FAQ
Frequently asked questions
What does Northern Wealth Group do?
We help profitable incorporated Canadian owners put surplus corporate capital to work for the business and their children, plan tax-efficient extraction over time and prepare for estate or succession. Every strategy is coordinated with your existing accountant and lawyer.
Do you replace my accountant or lawyer?
No. We don't offer accounting, bookkeeping, tax preparation or legal services. Your accountant and lawyer stay at the centre — we coordinate with them, and tax and legal opinions come from them.
Who is a good fit?
Profitable, incorporated Canadian business owners and professionals with roughly $250K or more in retained earnings, or $100K or more in annual profit left in the corporation, who want to put that surplus to work for the business and their family.
Do you give tax or legal advice?
No. We develop tax-efficient strategies that are evaluated with your accountant and lawyer before anything is implemented. Tax and legal advice always comes from your own professional advisors.
Where do you work?
We are based in Ontario. Outside Ontario, we can coordinate with licensed professionals in your province — with your consent, we can introduce you to an independent licensed professional where we cannot serve you directly.
What does a first call cost?
Nothing. The first planning call is free and comes with no obligation. We'll tell you honestly whether we're a fit.
Your surplus deserves a deliberate plan.
For incorporated owners with $250K+ in retained earnings, or $100K+ in annual profit left in the corporation. Tell us about your surplus and your family goals so we can confirm whether we can add value.