Private Wealth Strategy
Long-term investment architecture designed around your objectives, time horizon, liquidity needs, and risk tolerance.
Corporate Wealth Architecture
You Built the Corporation. Now Build the Tax-Free Exit.
We help incorporated Canadian business owners, professionals, and families coordinate corporate capital, insurance, lending, tax planning, and estate strategies into one integrated wealth structure.
Book a Private Consultation · Explore Our Strategies
Private Wealth · Corporate Capital · Estate Strategy · Liquidity Design
The Stanbridge Approach
We do not look at assets in isolation.
A strong financial structure should coordinate what you own, what you owe, what you earn, and what you want to build next. Our role is to help organize those moving parts into a clear capital strategy.
Our Philosophy
Unlock. Control. Compound.
The objective is not simply to accumulate more products. It is to create a structure where liquidity, long-term growth, protection, and succession planning work together.
Unlock Existing Assets
Identify capital already sitting inside investments, insurance, corporations, and real estate.
Control Liquidity
Structure access to capital so cash flow can be managed with greater flexibility and intention.
Scale Efficiently
Once the foundation is clear, evaluate where additional capital can support long-term objectives.
Strategic Capabilities
One architecture. Multiple layers of capital.
Corporate Capital Strategy
Coordinate corporate investments, liquidity, insurance, financing, and succession considerations around the business.
Insurance & Liquidity
Evaluate insurance not only as protection, but as part of a broader estate and liquidity strategy when appropriate.
Estate & Legacy Planning
Coordinate beneficiary planning, succession, insurance, trusts, and professional advisors to support an orderly transfer of wealth.
Capital Restructuring
Review whether existing assets and liabilities can be organized more effectively to improve access, flexibility, and visibility.
The Corporate Exit
Salary. Bonus. Dividend. There is another question.
Your corporation may be your most significant wealth-building asset. The way capital leaves it deserves the same thought as the way it entered.
“How can I extract corporate wealth efficiently, while preserving flexibility for what comes next?”
- Tax-aware extraction: Compare salary, bonus, and dividend decisions with the broader corporate and personal picture.
- CDA opportunities: Ask whether a Capital Dividend Account balance may create an opportunity for a tax-free capital dividend.
- Corporate-owned insurance: Consider protection and estate liquidity when ownership and funding through the corporation are appropriate.
- Leveraged wealth planning: Explore how lending, investment capital, and repayment obligations might fit within a carefully reviewed structure.
- Estate & succession: Coordinate ownership, insurance, tax, liquidity, and professional advisors around an orderly transfer.
- Capital visibility: Understand what is operating capital, what is long-term capital, and what can be accessed when needed.
Illustrative Concept
Make the structure visible before you make it real.
One conversation may include a leveraged wealth planning illustration: a $300,000 loan, shown alongside an illustrative year-25 projection of $4.08M using an assumed annual return of 11%.
Illustrative only / not a forecast. Actual results will vary. Borrowing creates interest, repayment, market, tax, and liquidity risks; financing eligibility and terms are subject to individual circumstances and lender requirements.
Our Process
Clarity before complexity.
Every engagement starts with understanding the full picture before recommendations are made.
Assess
Map your assets, liabilities, income, ownership structures, insurance, and future goals.
Architect
Design a coordinated strategy showing how each component connects to the next.
Implement
Coordinate applications, transfers, financing, investment implementation, and professional advisors.
Review
Revisit the structure as markets, family needs, businesses, and opportunities change.
Refine
Keep the strategy aligned as tax rules, ownership, liquidity, and succession priorities evolve.
Our Team
People who connect capital to strategy.
- Kerel Siu — Partner, Real Assets & Strategic Investments
- Jacob Lai — Co-Founder & Managing Partner
- Stanley Tsui — Founder & Chief Investment Strategist
- Layla Lin — Senior Investment Analyst
- Alan Tso — Managing Director, Private Wealth Relations
Questions Worth Asking
Complexity deserves a clear answer.
A few starting points for owners thinking about corporate wealth extraction, liquidity, and succession.
What does “tax-free exit” mean?
It refers to exploring ways to access corporate wealth with a tax profile that may be more efficient than taking every dollar as salary, bonus, or dividend. The right structure depends on your corporation, personal circumstances, applicable law, and professional advice.
How are salary, bonus, and dividends taxed?
Salary and bonuses are generally personal income when received and may create RRSP contribution room. Dividends are paid from after-tax corporate income and are subject to dividend tax rules. The best mix is specific to the corporation and the owner; this is a planning conversation, not a universal formula.
What is the CDA and why does it matter?
The Capital Dividend Account can, in certain circumstances, allow a Canadian private corporation to pay a capital dividend to shareholders without personal tax. The balance must be calculated carefully and an election is required. Ask your accountant and advisor to confirm whether CDA opportunities exist in your situation.
How can corporate-owned insurance fit into a plan?
When appropriate, a corporate-owned insurance strategy may help address protection, estate liquidity, and succession objectives. Policy type, ownership, funding, underwriting, and tax treatment all matter, and availability is subject to provider requirements.
Is the $300K / $4.08M illustration a forecast?
No. It is an illustrative example of a leveraged wealth planning concept: a $300,000 loan and a projected $4.08 million value at year 25 using an assumed annual return of 11%. Actual outcomes can be materially different, and borrowing introduces interest, repayment, market, tax, and liquidity risks.
Private Consultation
Start with the full picture.
Tell us what you are trying to accomplish. We will start by understanding your existing structure, the capital available to you, and the decisions ahead.
Stanbridgefinancial@gmail.com · 604-360-3603
415-6388 No. 3 RoadRichmond, BC V6Y 0L4