Stop Letting Taxes Eat Away at Your Corporation's Hard-Earned Profits
SHIELD™ is a corporate insurance funding system that uses bank financing and policy cash value to build long-term wealth
SHIELD™: Strategic High-Income Estate Liquidity Design
The Problem
Value Equation
The Solution
Corporate profits are often effectively trapped inside the company, as withdrawing them triggers heavy personal taxation, and when business owners try to use those funds for planning strategies, the burden of paying large insurance premiums can further strain and even kill day-to-day cash flow.
The Solution
Value Equation
The Solution
In this structure, the corporation owns the insurance policy, while a bank loan is used to fund the premiums, secured by the policy’s cash surrender value (CSV), and ultimately the capital dividend account (CDA) allows the proceeds to be distributed as a tax-free exit to shareholders.
Value Equation
Value Equation
Value Equation
This approach offers minimal out-of-pocket cost, delivers high estate leverage, enables tax-free dividends through the capital dividend account, preserves valuable working capital, and is specifically designed for incorporated business owners.
Who It’s For
Corporation Owners
The SHIELD™ Advantage
Corporation Owners
SHIELD™ is built for owners of Canadian corporations seeking a tax-efficient way to convert retained earnings into long-term family wealth without sacrificing liquidity.
Estate Planning
The SHIELD™ Advantage
Corporation Owners
Estate planning protects your family by reducing taxes, avoiding unnecessary delays, and ensuring your wealth is distributed exactly as you intend.
The SHIELD™ Advantage
The SHIELD™ Advantage
The SHIELD™ Advantage
Unlike traditional planning, our approach leverages corporate-owned insurance and financing to build significant estate value with minimal strain on corporate capital.