As a business owner or entrepreneur, you’re used to solving problems, staying agile, and making decisions that impact more than your bottom line. Your business is a reflection of your vision, your ambition, and your long-term goals.
At Cardiff, Lee & Associates Wealth Management, we help you turn that vision into a strategic plan that supports both your business and your personal financial future.
We work with business owners across Penticton and the Okanagan Valley who want more than basic advice. They want a plan that connects every financial decision—personally and professionally—with clarity, structure, and long-term purpose.
Your business and personal wealth deserve a unified strategy
Running a successful business often means your personal and corporate finances are deeply intertwined. If they’re not aligned, opportunities get missed. That’s why we specialize in integrated wealth planning—connecting tax efficiency, retirement readiness, estate planning, and business growth into one cohesive strategy.
Whether you’re scaling a startup, managing a mature enterprise, or preparing for a sale, we help you:
- Minimize tax
- Protect your assets
- Create structured income
- Invest with purpose
- Plan your exit with confidence
As your business evolves, your plan evolves with it—always grounded in your goals and the life you’re working hard to build.
Strategic business growth
We help you grow intentionally—building financial systems that enhance profitability, streamline cash flow, and prepare you for future transitions. Whether you’re reinvesting in your company or planning your next move, we ensure each decision fits into your broader wealth strategy.
Tax efficiency
Our clients often ask: “How do I pay myself smarter?” We answer that question by aligning your compensation, dividends, and retained earnings with your personal income needs and corporate tax structure. We’ll help you:
- Optimize compensation strategies
- Split income where appropriate
- Take advantage of deductions and deferrals
- Prepare for capital gains using the Lifetime Capital Gains Exemption when selling
Risk management and insurance
Business owners take on more than the average person—and with that comes more to protect. We assess the unique risks tied to your business, then implement insurance solutions that protect your people, your partners, and your personal wealth.That includes:
- Key-person and buy-sell insurance
- Disability and critical illness protection
- Business continuity planning
- Life insurance to support estate and succession planning
Investment growth
Whether your money is inside your corporation or in personal accounts, we help you invest with purpose. That might mean building a diversified portfolio to support future retirement, setting up a holding company for long-term wealth preservation, or developing corporate investment strategies that keep your money working on every front.
Succession and exit planning
What’s your endgame? Selling? Passing it on to a child or partner? Winding it down and retiring? We help you build a transition plan that’s structured, tax-efficient, and aligned with your values. Our succession services include:
- Valuation and exit readiness
- Structuring a sale or family handoff
- Protecting legacy and minimizing tax
- Coordinating legal and financial professionals to ensure everything is airtight
Is incorporation the right move?
If you’re wondering whether incorporation still makes sense, we’ll help you decide based on your long-term goals. Incorporation can provide significant tax advantages and asset protection—but only if it’s part of a bigger strategy. We’ll help you:
- Assess your current structure
- Plan for income splitting, holding companies, or IP protection
- Transition from sole proprietorship or partnership structures when the time is right