Your business is your biggest investment, your legacy, and the engine powering your personal financial life. But growing a business while planning for your future? That’s a balancing act that demands clarity, structure, and expert strategy.

At Afshar & Machaalani Group Private Wealth Management, we specialize in providing financial advice for business owners and entrepreneurs who want to align their business success with long-term personal goals. Whether you're scaling up, restructuring, or preparing for an eventual exit, we act as your trusted partner in building wealth and preserving it.

As a seasoned financial advisor for entrepreneurs, we help you take control of the financial complexities that come with ownership—so your business becomes a springboard, not a limitation.

The right advisor understands your business—and your life

You’re not looking for a generic investment plan. You’re looking for a strategy that connects every part of your financial world—from corporate structure to estate planning, from tax reduction to business succession. As your financial advisor for business owners, we dig deep to understand how your company operates, how your revenue flows, and how your personal goals are impacted by the business decisions you make every day. Then we build a plan that grows with you. Our expertise includes:

  • 1. Financial planning tailored to entrepreneurs

    Every business owner needs a financial strategy that reflects the realities of entrepreneurship: variable income, reinvestment demands, and the lack of a traditional pension. We create integrated plans that support your lifestyle today and your retirement tomorrow.

  • 2. Tax-efficient strategies that protect your profits

    Tax efficiency is foundational to our approach. We design strategies to reduce personal and corporate tax through:

    • Income splitting with family members
    • Salary vs. dividend optimization
    • Holding company structures
    • Tax-exempt insurance solutions
    • Lifetime Capital Gains Exemption (LCGE) planning

    By embedding tax strategy into everything we do, we help entrepreneurs retain more of what they’ve earned.

  • 3. Business incorporation and structuring guidance

    Should you incorporate? Set up a family trust? Reorganize for succession? As your financial advisor for entrepreneurs, we provide clear guidance on how to structure your business in a way that supports your long-term goals—not just today’s bottom line.

  • 4. Risk management for owners and key employees

    Your business depends on you. What happens if something unexpected takes you out of the picture? We ensure your plan includes appropriate insurance—key person, buy-sell, critical illness, disability—to keep your business and family protected no matter what comes your way.

  • 5. Investment strategies inside and outside the corporation

    Your business may be your biggest asset, but your wealth shouldn’t be tied to one income stream. We help you invest retained earnings within your corporation and build personal investment portfolios that grow alongside your company.

  • 6. Business succession and exit planning

    Eventually, you’ll exit your business—whether by choice or circumstance. We guide you through the planning process, helping you:

    • Transition to family or internal successors
    • Sell to third-party buyers
    • Maximize value and minimize tax
    • Plan for retirement income from sale proceeds
  • 7. Retirement without a pension plan

    As a business owner, you create your own retirement. We design personalized retirement income strategies using tools like Individual Pension Plans (IPPs), corporate investing, RRSPs, and tax-efficient withdrawal sequences—so you can retire with structure and peace of mind.

Advice that adapts as fast as you do

Markets shift. Tax laws change. Your business evolves. We schedule regular reviews, model different scenarios, and stay in touch as your needs and goals shift. You’re never left wondering if your plan is out of date.

You’ll always know:

  • Where you stand
  • What your options are
  • And how every decision affects your future

What sets us apart as a financial advisor for business owners?