How the ultra-wealthy avoid taxes with PPLI. A compliant alternative to offshore entities.

𝗬𝗼𝘂 𝗯𝘂𝗶𝗹𝘁 𝘆𝗼𝘂𝗿 𝗯𝘂𝘀𝗶𝗻𝗲𝘀𝘀 𝗼𝘃𝗲𝗿 𝗱𝗲𝗰𝗮𝗱𝗲𝘀. But when it’s time to pass it on, one mistake could hand half of it to the CRA. Most business owners don’t realize this: When you gift shares or transfer ownership, the CRA treats it as a sale at fair market value. That means an immediate capital gains tax of often in the millions. The wealthy plan differently. They don’t leave succession to chance, they structure it. - 𝗦𝗲𝗰𝘁𝗶𝗼𝗻 𝟴𝟱 𝗿𝗼𝗹𝗹𝗼𝘃𝗲𝗿: defer tax when transferring assets into a corporation - 𝗦𝗲𝗰𝘁𝗶𝗼𝗻 𝟴𝟲 𝗲𝘀𝘁𝗮𝘁𝗲 𝗳𝗿𝗲𝗲𝘇𝗲: lock in today’s value and pass future growth to the next generation - 𝗖𝗼𝗿𝗽𝗼𝗿𝗮𝘁𝗲-𝗼𝘄𝗻𝗲𝗱 𝗹𝗶𝗳𝗲 𝗶𝗻𝘀𝘂𝗿𝗮𝗻𝗰𝗲: create tax-free liquidity to fund the future tax bill, without selling the business; This isn’t just tax planning. It’s succession done right. If you’ve built something worth keeping, structure it before you pass it on. Because strategy is what separates a tax bill from a legacy. #SuccessionPlanning #BusinessOwners #TaxStrategy #EstateFreeze #Wealthstrategies #CorporateAdvisory #LifeInsuranceCanada #FinancialAdvisorCanada #ImmunisFinancial #LegacyPlanning

Strong profits? Make sure you protect the people responsible for them! With higher interest rates and increasing costs for business, many owners are focusing on cash flow and future growth, but few are reviewing how well their businesses are protected from a key personnel or ownership perspective. That’s where shareholder protection, key person cover, and business debt protection come in. 🧑💼 Key Person Insurance helps safeguard profits and continuity if a founder, director, or key team member is unable to fulfil their duties due to death, illness or accident. 🤝 Shareholder Protection ensures surviving partners have the funds to retain control if a co-owner dies or becomes critically ill. 💳 Business Debt Protection repays outstanding borrowing if a guarantor or key director passes away, protecting both the firm and their family. And now, with Inheritance Tax (IHT) rules tightening - including proposed caps on Business Property Relief and reviews of lifetime gifting rules in the upcoming Autumn Budget 2025 - more clients are enquiring about how insurance policies can mitigate the inheritance tax on gifts or on the residual estate after careful tax planning has been carried out. Tax, ownership, and continuity are increasingly interconnected. By putting the right protection in place, business owners can manage not just risk, but also legacy and control. Has your business recently reviewed its protection plans - not just for resilience today, but for the future tax and succession changes ahead? Business Protected Nathaniel Lee🛡Joseph Stewart Jamie Lewis #BusinessResilience #ShareholderProtection #KeyPersonInsurance #DebtProtection #InheritanceTax #SuccessionPlanning #BusinessProtected

Wealth isn’t lost by markets. It’s lost by smart people making lazy planning decisions. If you’re an HNI or run an MSME, read this before another “advisor” sells you comfort. Last month, a promoter almost paid 48% tax on a property exit. No ring-fenced SPV. No cash-flow waterfall. No succession plan. One audit later, lenders got jittery. A lawsuit followed. We fixed it barely because timing was on our side. Here are the 5 mistakes I see weekly and the fix: ➪ Mixing personal + business assets → Separate SPVs. Charge rent. Maintain paper trails. ➪ “Will later” thinking → Write a Will + PoA. Add a corporate trustee. Review yearly. ➪ Blind real-estate buys → Do title + encumbrance + zoning checks. Use indemnities. ➪ Overexposed loans → Cap personal guarantees. Pledge smart, not blanket. ➪ Tax as afterthought → Pre-structure exits. Use treaties, HUF, trusts legally. What’s the one risk in your plan that keeps you up at night? #HNIs #wealth #MSME #finance #legal

✨ Estate Planning for Small Business Owners: Securing Your Legacy & Your Business ✨ You’ve poured your heart, time, and energy into building your business 💼💪 … but what happens when you’re no longer at the helm? Whether it’s retirement, disability, or the unexpected, a smart estate plan makes sure your legacy (and your business) are protected. 🌟 Here’s what it covers: 🔁 Succession Planning – Who takes over & how the transition happens 📜 Legal Tools – Wills, trusts, buy-sell agreements & powers of attorney 💰 Financial Strategies – Life insurance & estate tax planning to protect value 👨👩👧 Family-Owned Considerations – Prevent disputes & keep harmony intact 📢 Communication – Setting expectations avoids conflict later ✅ Top Benefits for Business Owners ✔ Smooth transition 🏁 ✔ Financial security for loved ones 💵 ✔ Protect assets from taxes & creditors 🛡️ ✔ Prevent family/legal disputes ⚖️ ✔ Peace of mind 🙌 👉 Estate planning isn’t just about the future—it’s about protecting what you’ve built today. 💬 Are you confident your business would thrive without you at the helm? #EstatePlanning #SuccessionPlanning #EstateTaxPlanning #AssetProtection #TaxStrategy #LLC #SmallBusiness #CPAInsights #TaxPlanning #CPAFirm #TaxTips #SmallBusinessTax #BusinessDeductions #BusinessOwnerTips #TaxDeductions #EntrepreneurLife #BusinessFinance #TaxStrategy #SRQTax #SterlingTaxAndAccounting #SarasotaTax #Bookkeeping

✨ Estate Planning for Small Business Owners: Securing Your Legacy & Your Business ✨ You’ve poured your heart, time, and energy into building your business 💼💪 … but what happens when you’re no longer at the helm? Whether it’s retirement, disability, or the unexpected, a smart estate plan makes sure your legacy (and your business) are protected. 🌟 Here’s what it covers: 🔁 Succession Planning – Who takes over & how the transition happens 📜 Legal Tools – Wills, trusts, buy-sell agreements & powers of attorney 💰 Financial Strategies – Life insurance & estate tax planning to protect value 👨👩👧 Family-Owned Considerations – Prevent disputes & keep harmony intact 📢 Communication – Setting expectations avoids conflict later ✅ Top Benefits for Business Owners ✔ Smooth transition 🏁 ✔ Financial security for loved ones 💵 ✔ Protect assets from taxes & creditors 🛡️ ✔ Prevent family/legal disputes ⚖️ ✔ Peace of mind 🙌 👉 Estate planning isn’t just about the future—it’s about protecting what you’ve built today. 💬 Are you confident your business would thrive without you at the helm? #EstatePlanning #SuccessionPlanning #EstateTaxPlanning #AssetProtection #TaxStrategy #LLC #SmallBusiness #CPAInsights #TaxPlanning #CPAFirm #TaxTips #SmallBusinessTax #BusinessDeductions #BusinessOwnerTips #TaxDeductions #EntrepreneurLife #BusinessFinance #TaxStrategy #SRQTax #SterlingTaxAndAccounting #SarasotaTax #Bookkeeping

Your capital dividend account might be the most valuable number you never check. Most private company owners focus on net income and cash flow but overlook the capital dividend account or CDA. Life insurance proceeds and certain capital gains credits can build this balance over time. Funds paid from the CDA to shareholders come out completely tax free. Without a plan you risk leaving millions trapped inside the corporation subject to high dividend tax. A corporate owned life insurance policy is one of the most effective ways to grow this balance because the death benefit is credited to the CDA. Review your CDA annually and coordinate it with your will and shareholder agreements. If you do not know your current CDA balance start by asking your accountant. It is one of the most powerful tools in Canadian tax planning.

Business Property Relief changes are being introduced from April 2026 that will impact insurance brokers’ succession planning. While BPR will remain a valuable relief, businesses and owners now need to plan.   In this article, Partner and Head of Private Client Tax, Stephen K., outlines how BPR is changing from April 2026 and what brokers can do to mitigate the impact. ➡️ https://lnkd.in/eBwvV7dJ

Thinking of selling your business? Timing could make a big financial difference. With tax changes on the horizon in April 2026, completing a sale before the deadline could result in significant savings. 📘 Explore how shifting your timeline might help you retain more from your exit: https://lnkd.in/ecUD6Mui   Taxation rules can change at any time and are dependent on individual circumstances.   PFP WEALTH LTD is an Appointed Representative of and represents only St. James's Place Wealth Management plc (which is authorised and regulated by the Financial Conduct Authority).   SJP Approved 15/10/2025   #BusinessOwners #BusinessPlanning #SMEs @sjpwealth

🏢Choosing a Corporation Double Tax Drawback You Should Know! Thinking about using a corporation for your real estate investing strategy? While corporations can be a strong choice for professional real estate business operations, they also come with drawbacks you must understand. Knowing about the risk of double taxation for C-Corps before choosing to form a corporation. That’s why consulting a CPA, attorney, or real estate investing advisor is crucial before making your move. 📌 Don’t let legal and tax mistakes cost you thousands - watch now to protect your assets, improve your business risk analysis, and make smarter investment decisions. 🔔 Subscribe for more insights on business law, asset protection, mortgage tips, and how to invest smarter in the U.S. property market. #danguard #realestate #investing #coownership #corporation #businessinvest #business #tax #realestateinvesting