As an incorporated professional, you’ve taken an important step toward financial flexibility—but that’s only the beginning. Whether you’re a physician, dentist, lawyer, engineer, or consultant, incorporation opens the door to advanced tax strategies, long-term wealth building, and multi-generational planning. The key is knowing how to use that structure effectively.
At Cardiff, Lee & Associates Wealth Management, we specialize in wealth planning for incorporated professionals across Penticton and the Okanagan Valley. Our high-touch, detail-oriented approach ensures your corporation works for you.
Beyond deferral: building real wealth inside and outside your corporation
Many incorporated professionals are told the same thing: keep funds in the corporation and defer taxes. But true success requires more than passive accumulation. We help you create a coordinated strategy that makes full use of your corporate structure—while also building personal wealth and protecting your family’s future.
Our cash flow, tax, and investment strategies are designed to:
- Build and manage holding companies and family trusts to create income flexibility and optimize tax
- Leverage corporate-owned life insurance to reduce estate taxes and support long-term planning
- Invest both inside and outside the corporation to balance opportunity with liquidity
- Create withdrawal strategies to move money out of the corporation efficiently and with minimal tax impact
- Coordinate your financial plan with legal and accounting professionals, so shareholder agreements, wills, and estate documents all align
We also help professionals unlock the lifetime capital gains exemption when planning for future business sales or successions—ensuring you don’t leave money on the table.
You’re not just planning for today—you’re protecting your future
Our wealth preservation strategies take into account:
- Business continuity and succession planning
- Retirement planning with structured decumulation
- Education planning for children and grandchildren
- Charitable giving and values-based legacy strategies
- Estate protection, including liquidity and tax mitigation
You’ve built something meaningful through your work. We help make sure that success is passed on intentionally.
Why incorporated professionals choose Cardiff, Lee & Associates
Our clients appreciate that we’re more than wealth advisors—we’re strategic partners. We’re proactive, responsive, and not afraid to ask the hard questions. That means you get a plan built on purpose.
We start with your full financial picture, identifying opportunities and risks others often miss. We coordinate with your accountant, your lawyer, and your family, so your financial plan doesn’t live in isolation. And we explain everything clearly so there are no surprises.
We serve the whole family—not just the corporation
Your success affects more than your bottom line—it shapes your family’s future. We help you plan accordingly, with strategies that provide security today and clarity for the next generation. That might mean helping you:
- Set up family income-splitting strategies
- Fund post-secondary education or first homes
- Protect your estate from unnecessary tax or complexity
- Build a roadmap that connects your personal and professional goals
With Cardiff, Lee & Associates, your wealth planning is always rooted in what matters most—your values, your family, and your long-term goals.