New!
Award-Winning Finance Solution
Stop leaking wealth. Restructure now- protect compound and pass it on.
We design and implement clean corporate structures
(Holdco’s, family trusts, estate freezers, section 85 rollovers) that cut tax drag, ring-fence risk, and set you up for succession or exit without turning your life into paperwork.
We respond within 24-48h response. Limited weekly slots.
- CPA-led
- 350+ owners supported and trusted
- Fast, operator-friendly implementation
- Canada-wide
- CPA-led
- 350+ owners supported and trusted
- Fast, operator-friendly implementation
- Canada-wide
Structural Blindspots
Structural Gaps That Threaten Your Growth
If you’ve got profits, properties, or partners – your corporatestructure is either building your wealth… or quietly draining it.Here’s what we help fix – the silent risks most businesses overlook below,
01.All assets under one entity
One CRA review or legal dispute can expose everything you’ve built. Without a holding company or proper separation, your hard assets have no protection.
02.Deferred estate planning
Growth shares not issued, freezes never executed and you end up paying tax on tomorrow’s value today. Strategic estate planning protects both wealth and continuity.
03.Inefficient income distribution
Unplanned dividends and unclear salary strategies can trigger TOSI issues or misaligned cash flow. We design tax-efficient compensation frameworks that keep funds flowing in the right direction.
04.Dormant or tangled corporate entities
Unrecorded loans, shareholder advances, and intercompany transfers create audit exposure. We streamline your structure to eliminate compliance risks.
05.Preparing for a sale without a solid structure
When you’re ready to sell, missing key elements — like LCGE qualification or asset segregation — can cost hundreds of thousands. We ensure your structure supports a clean, tax-efficient exit.
06.Blurred family–business boundaries
Without defined buy–sell agreements, valuation formulas, or trustee clarity, family partnerships can quickly turn into disputes. We help you establish governance that protects both relationships and equity.
07.Relying solely on bookkeeping
Bookkeeping tracks transactions — it doesn’t design tax or ownership strategy. Proper restructuring is about architecture, not administration.
Wealth Toolkit
Free Wealth Architecture Pack (delivered after your session)
Owner Map
Current vs. recommended structure (Opco/Holdco/Trust) in one clean diagram.
Tax-Flow Snapshot
Exactly where dollars leak now vs. post-restructuring (with year-one and year three impact).
Action Sequence
Step-by-step playbook (e.g., section 85 rollover → freeze → trust issuance → Interco loans).
Risk Heat-Map
Creditor, marital, tax and operational risks; specific fixes and priorities.
Zero cost. Zero obligation. Real clarity in one call.
OUR 5-Stage Framework
Accedge’s 5-Stage Wealth & Restructuring Method
Discovery & Goals (Owner reality > theory)
We map income needs, exit windows, family dynamics, lenders, CRA footprint. We translate ambition into design constraints you can actually run.
Blueprinting (Simple beats clever)
Holdco/trust architecture, share classes, freeze mechanics, dividend policy. We design for clarity and control, not consultant art projects.
Tax Engineering (Paper that stands up)
Rollover elections (section 85), LCGE readiness, inter-company loans, preferred/common share mixes, CDA/GRIP awareness. Documentation you can defend.
Implementation (Speed + precision)
We coordinate with your lawyer, align bookkeeping and tax, prepare minutes and elections, and leave an audit-proof paper trail.
Stewardship (Keep it tight)
Quarterly/annual reviews as life and laws change. Dividend tuning, cash-dam strategy, buy–sell funding check, trustee guidance.
When you hire Accedge, you get
Structure Design & Tax Plan
Holdco/trust design, estate freeze plan, dividend waterfall, Interco flow map.
Transaction Roadmap
Exact sequencing + timelines (who signs what, when, and why).
Implementation Support
We quarterback with your lawyer, our tax + books team builds the evidentiary trail.
Succession & Exit Readiness
LCGE readiness where possible, buyer-friendly packaging, debt and assets placed where they belong.
Owner Ops Kit
Plain-language SOPs so your team knows how to run the structure correctly-every month.
Tailored Strategies
Specific Use-Cases
Contractor or trades owner
Park retained earnings and trucks in the right entities; stop exposing your house to job-site risk
Restaurant group or retail chain
Multi-location cash damming, GST/PST separation, clean franchise/brand IP ownership.
E-com or cross- border seller
Separate US exposure, plan repatriation, manage transfer-pricing baseline, hold IP properly.
Professional practice
Freeze at today’s value, lock LCGE pathway (if applicable), add trust for family distributions within the rules
Manufacturing
Ring-fence plant/real estate in PropCo, run ops lean in OpCo, and use TreasuryCo for working-capital swings—safer, lender-ready growth.
Sale in 12–36 months
Pre-flight checklist: qualify shares, isolate assets, agree buy–sell funding and valuation formula
First Impact
Quick Wins You’ll Feel (in the first 90 days)
01.Cash moves cleanly
Dividends and management fees are deliberate, documented and tax-efficient.
02.Risk ring-fenced
Operating risk stops at OpCo. Personal and legacy assets sit behind a moat.
03.Paperwork tamed
Minutes, elections, and resolutions are complete. Audit anxiety falls off a cliff.
04.Owner pay optimized
Salary/dividend mix that funds life and avoids traps.
05.Succession made boring
Clear roles for trustees, beneficiaries, and shareholders. No guesswork.
Core Principles
How We Operate With Precision and Integrity
Operator-first
If your structure only works in a seminar slide deck, it’s useless. We build for real life.
CPA-led + integrated
Bookkeeping, tax and CFO under one roof so design and compliance don’t fight each other.
Fast response, tight execution
We cap active files to keep timelines. We answer fast and ship documents clean.
No fairy tales
We’ll never promise outcomes the law doesn’t allow. We promise speed, precision and paper that stands up.
What clients say after we take over structure
FAQs
Answers to Your Most Common Concerns
Custom work, fixed-fee quotes, no surprise invoices. You’ll know scope, milestones, and delivery dates before we start. Implementation is staged so cash outlay matches progress.
If you have real profits, assets, partners or a sale in view, not restructuring is the expensive option.
We write simple rules and train your team. Monthly bookkeeping supports the structure, it doesn’t fight it.
Yes. We quarterback tax and finance; your counsel executes legal docs. one playbook, one timeline.
Discovery to blueprint in ~2-3 weeks for most files. Then implementation in sequenced steps with clear signatures and filings.
Every month you delay, value compounds in the wrong pocket and freezes get pricier. We limit weekly Architecture Sessions and live implementations to protect turnaround times. If capacity is full, we’ll wait-list by priority (sale/ succession windows first).
CONTACT US
Request Your Free Wealth Architecture Session
You’ll hear from us within 24-48 hours. If intake is full, we’ll offer the next available slot.
Privacy & Professional Notes : We provide planning and tax advisory. Legal documents are executed with your chosen counsel. Tax authority and legal outcomes remain independent.
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