Eric Stemmler

derstand how to navigate the Canadian financial system in the most efficient manner possible.

►►► Are you a Business Owner who is wondering what the transition into Retirement looks like?
►►►Are you Retired and wondering whether you are maximizing tax strategies in retirement? Chances are you are busy building your business, fighting fires, dealing with the challenges of managing your team, and have been told by your existing advisor that your Retirement looks "JUST FINE" or that "YOU WILL BE OKAY". Most Business Owners and professionals spend long hours building their business and helping their communities, but lose sight of the BIG PICTURE when it comes to their personal financial situation. As a result, they often end up having ENOUGH to Retire, but don't have the best PLAN to avoid the many Tax Risks that present themselves. Have you thought about the following:
►Where will your sources of income come from when you retire? And what type of tax consequence do each of them have?
► What are the impacts to your business and personal plans, if you are unable to work in your
business?
►Are you using all tax efficient methods to ensure you are using all your hard earned business
income towards your personal future plans?
►Have you thought about business succession and how that impacts your tax, cash flow and
transition to retirement? Financial Planning for Business Owner is a two-sided coin: Personal Financial Plan & Business
Financial Plan. The reality is Business owners get in business to achieve their life’s goal…be it retirement,
income, charitable, etc. Now the complexity a Business owner deals with when it comes to Financial Plan is a
magnitude higher than most individuals (ie. Tax laws, Income splitting, business continuity planning, estate planning, family protection, passive income tax management, insurance, retirement planning, capital gains tax reduction, foreign asset, cash flow management, asset protection, employee protection, etc. If you would like to chat, please email me a [email protected]