Services designed for those who demand more.
Our Clients
Unity delivers innovative financial solutions that help professionals, business owners, and families across Canada build and preserve their legacies – from the wealthiest and most complex to those planting seeds for the next generation.
BUSINESS OWNERS
Since 2008 we’ve worked with business owners, incorporated professionals, and families to secure their financial future. Our expertise in advanced insurance planning simplifies complex tax and ownership structures.
FAMILY OFFICES
Our expertise is designed to work with multi-generational families requiring the utmost transparency, confidentiality and process management for the most complex insurance situations in the Canadian market.
Our Services
We specialize in advanced insurance planning, supporting our clients to articulate their goals, understand their options, and make informed decisions with confidence.
Tax and Estate Planning
We’ll help you ensure a smooth transition of your business by tax planning, enabling succession and maintaining family harmony. Here’s how:
SUCCESSION PLANNING
Identifying the next generation of leaders and maintaining harmony for those choosing a different path.
ESTATE TAX PREPARATION
Strategies to minimize and defer estate tax and introducing tools to ensure there’s adequate liquidity to pay taxes without disrupting business growth.
WILLS AND TRUSTS
Ensuring the legal documents set out your plan so there aren’t disputes and your wishes are executed as you intend.
BUSINESS CONTINUITY PLANNING
Create, update and fund a buy-sell agreement to ensure that ownership is well structured in the event of an untimely death or disruption to the business.
Our comprehensive solutions are designed to support the unique needs of family offices:
PROJECT MANAGEMENT
Technical and organizational capacity to execute a multi-stakeholder plan from start to finish.
TECHNICAL ANALYSIS
The financial and product analysis to ensure your clients are making the best bottom-line decision for their situation.
ACCESSING INSURANCE CAPACITY
For high-net worth clients, we can extract the maximum amount of cost-effective insurance coverage from a marketplace that has limited risk appetite for large amounts of insurance.
NAVIGATING UNDERWRITING
We can ensure clients with lifestyles or medical histories that are outside the norm are being properly assessed by underwriters at carriers and reinsurers.
CREATIVE FUNDING METHODS
We can support you in creating policy designs that align with optimal capital uses for the business.
POLICY SERVICE COMMITMENT
We will remain involve to ensure all policies are properly serviced to fit the needs of our clients now and into the future.
CONFIDENTIALITY
We’re used to operating with discretion and tact.
EDUCATION
We provide financial education and guidance to family members of various ages and with different levels of financial decision-making experience.
FUND PHILANTHROPIC GOALS
Establish enduring charitable legacies.
FACILITATE SUCCESSION PLANNING
We help streamline the transfer of control from one generation to the next.
Group Pension & Insurance
Investing in group pension and insurance, business owners are not only safeguarding their business, but also supporting their employees to achieve their full potential through:
EMPLOYEE SATISFACTION
Helps to attract and retain top-end talent.
TAX ADVANTAGES
Group plans can offer tax benefits for both the employee and business owner.
HEALTH AND WELLNESS
Improves employee health and wellbeing, while also reducing absenteeism and increased productivity.
FINANCIAL SECURITY
Allows employees to save for their future, while also providing peace of mind that their families are protected.
Financial Planning
Think of Unity as the general contractor for your finances. We collaborate with you to establish your financially secure future, through:
ORGANIZATION AND SIMPLIFICATION
INSURANCE PLANNING
- Life insurance
- Disability and Critical Illness insurance
TAX PLANNING
WILLING PLANNING
FINANCIAL PROJECTIONS
DECISION MAKING
