Creating Liquidity and Legacy for Business Owners and Professionals
Watershed Financial Solutions
Helps Canadian entrepreneurs and families build, protect, and transition wealth with confidence.
From corporate insurance strategies to estate and retirement planning, our focus is on simplifying complexity so you can make confident decisions that last for generations.
Who We Serve
Business Owners
We work with incorporated professionals and private business owners who need liquidity planning, tax-efficient insurance structures, and succession strategies that protect both business and family wealth.
Examples of how we can help:
- Corporate-owned life insurance for liquidity & buy-sell funding
- Estate equalization and capital dividend planning
- Tax-efficient retirement income and asset transfer strategies
Professionals & Incorporated Practitioners
Physicians, dentists, lawyers, and consultants turn to us to help integrate their professional corporations with personal wealth planning—reducing tax drag and enhancing retirement flexibility.
Examples of how we can help:
- Pension and corporate investment strategies
- Critical Illness and Disability protection for practice continuity
- Transition and exit planning
Families & Retirees
Families nearing or in retirement rely on us to manage income
sustainability, legacy planning, and wealth transfer in partnership
with their accountants and legal advisors.
Examples of how we can help:
- Coordinated planning with accountants and estate lawyers
- TFSA, RRSP, and non-registered optimization
- Tax-efficient estate liquidity
A Proven Framework for Clarity and Confidence
1. Discovery & Analysis
Understanding your goals, structure, and key stakeholders while reviewing corporate, tax, and insurance data to establish a clear financial picture.
2. Design & Implementation
Developing and coordinating tax-efficient, customized strategies in collaboration with your accountants and legal advisors.
3. Ongoing Stewardship
Providing annual reviews and proactive adjustments to keep your plan aligned as your business and priorities evolve.
Solutions That Create Liquidity When It’s Needed Most
Corporate-Owned Life Insurance
Fund buy-sell agreements and shareholder redemptions efficiently
Capital Dividend Account Planning
Extract tax-free
value from your corporation
Corporate Asset Transfer Plans (CATP)
Move wealth tax-efficiently from the corporation to the estate
Insured Retirement Plans (CIRP)
Access liquidity
without disrupting investments
Estate Equalization Strategies
Balance inheritances when one child inherits the business
“Liquidity planning isn’t about buying insurance—it’s about preserving control and maximizing legacy.”
About Watershed Financial Solutions
Independent Advice. Institutional Expertise.
Watershed Financial Solutions operates under Vantage Financial Group, bringing together the personalized approach of a boutique advisory with the expertise, compliance, and resources of a national organization.
Brian Brotherston, CLU, QAFP®, is a Senior Financial Advisor specializing in estate and liquidity planning for business owners and high-net-worth families. As a board member of the Fraser Valley Estate Planning Council, Brian collaborates with top accountants, lawyers, and trust professionals to design coordinated, tax-efficient strategies.
Insights for Business Owners and Professionals
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