Peter Rizkalla Wealth

Thank you to Manulife for hosting me at their recent conference on capital markets and estate planning.
Many people don’t fully understand the connection between creating and preserving wealth, two elements that go hand in hand. It was valuable to gain additional insights that can help enhance my clients financial plan!

Top Advisor Recognition Trip

I’d like to extend a special thank you to Gryphin Group Services Inc., Shane Currey, our carriers and banking partners for this incredible trip. I truly appreciate the recognition of my efforts in helping Canadians with their financial planning.

Grateful for the support and proud to be part of such a strong network.

Corporate-Owned Life Insurance: The Hidden Strategy Smart Business Owners Use

Picture this:
You’ve built up $200K in retained earnings, earning 5% annually.
That’s $10,000 in growth… sounds great, right?

Not quite.

Once passive investment income flows through your corporation, a significant portion can be lost to tax. And it doesn’t stop there…

When passive income exceeds $50,000, your Small Business Deduction starts to erode, fast. By $150,000, it can be completely eliminated.
This means higher corporate tax rates and less money working for you.
But there’s another way.

Many business owners are unaware of a strategy that allows corporate dollars to:
- Grow on a tax-advantaged basis
- Provide access to funds without triggering tax & potential tax-write off
- Transfer wealth to the next generation efficiently, with strategies recognized under CRA guidelines that can help significantly reduce corporate estate tax exposure.

Think of it as creating a more efficient environment for your retained earnings, one that aligns with your planning

If you’re holding any amount of retained earnings inside your corporation, it is worth exploring your options.

Feel free to reach out if you’d like to understand how this could apply to your situation.

Peter Rizkalla,
[email protected]
613-700-6672

Not sure if your finances are on the right track?

I help individuals, family and business owners with:
• Financial planning
• Investments & tax strategies
• Estate planning
• Insurance & income protection

If you have questions or want a second opinion, reach out.

Let’s connect and see how I can help.

Thank you to for recognizing and rewarding us with the opportunity to enjoy a game in Club Bell with the .

Most business owners think disability insurance is just for personal income.

It’s not.

It protects your entire business.

Here’s how:

Business
• Covers lost revenue if a key person can’t work
• Pays ongoing expenses like rent, payroll, and leases
• Covers loan payments so debt doesn’t become a problem

Partners
• Funds buy-sell agreements if a partner becomes disabled

Personal
• Replaces income beyond what group or business coverage provides

Many people believe investing is only about risk tolerance. In reality, it’s about two things working together: risk tolerance and time horizon.

Risk tolerance is how comfortable you are with market ups and downs.
Time horizon is how long your money will stay invested before you need it.

For example:
• If you need the money in 2–3 years, a conservative strategy may make more sense.

• If your goal is 15–25 years away, you may be able to tolerate more market fluctuations to pursue higher long-term growth.

When these two factors are aligned, your portfolio can be designed to support your goals while helping you stay disciplined during market volatility.
Every financial plan should start with understanding how you feel about risk and when you need your money.

If you’re unsure whether your current investments align with your time horizon and risk comfort, it may be worth reviewing your strategy.

Feel free to contact me [email protected] or 613-700-6672.

After several successful years in business, I’m pleased to share that I’ve relocated my office to downtown Ottawa at 440 Laurier Ave W, Suite 200, Ottawa, ON K1R 5V7.

I’m happy to meet in person at the new office or virtually, depending on what’s most convenient for you.

If you’ve found value in our work together, I would sincerely appreciate a five-star review and a brief comment on Google. Your feedback helps others feel confident when seeking trusted financial guidance.

Google Page: https://g.page/r/CYAsu0r1OM26EAI/review

Thank you for your continued support — it truly means a great deal.

Most people treat insurance and investing as two separate conversations.

They shouldn’t be!

A strong financial strategy stands on two pillars:

Protection (Term Insurance)
This is your foundation. It protects income, reduces risk, and ensures your family or business can maintain stability if something unexpected happens. Without protection, everything you’re building is exposed.

Wealth (Investing)
Once the foundation is secure, you focus on growing assets, building equity, and creating long-term flexibility. This is where opportunity lives.

Here’s the key:
You don’t build wealth properly without first protecting your income. And you don’t stop at protection without creating growth.

Two separate jobs. One comprehensive plan.

For business owners especially, this means:
• Covering liabilities
• Protecting cash flow
• Structuring tax-efficient growth
• Aligning personal and corporate planning

Financial freedom doesn’t come from products.
It comes from a coordinated strategy.

If you’re building wealth but haven’t stress-tested your protection — or vice versa — it may be time for a full review.

Protect first. Build second.

Paying too much tax? An RRSP could help.

RRSP contributions can reduce the tax you owe and help grow your retirement savings at the same time.

If you earned income last year, you may still have unused RRSP room that could:
• Lower your tax bill
• Increase your refund
• Strengthen your long-term plan

Book a quick meeting with me before March 2026 to see if an RRSP contribution makes sense for you before filing your taxes. Feel free to contact me [email protected] or 613-700-6672.

The Rule of 72 is a quick way to estimate how long it will take your money to double. Just divide 72 by your investment’s annual rate of return to find the number of years. For example, with an 8% annual return: 72 ÷ 8 = 9 years for your money to double. This highlights the power of compounding and how even small increases in returns — paired with the right, consistent investments — can make a big difference over time.

Let’s work together to get your money working harder and compounding faster. DM me or contact me at [email protected] or call 613-700-6672.