Murphy Wealth Planning Murphy Wealth Planning
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Plan my business

A plan for the business you built from nothing.

Any business owner knows that building from nothing is hard enough on its own. A clear plan, optimized for tax strategy and projected cash flow, and a personal and business picture that finally work together, is what this is for.

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Fee-for-service planning

Comprehensive business planning and strategy.

A process, scaled to business-owner complexity, that ends in a written financial plan, both across your personal and corporate picture, delivered and walked through.

Business Wealth Plan
$3,000 to $6,000plan fee, quoted to your business, plus GST/HST
+ $1,000 annual retainer (optional) Year one is covered. $1,000 per year after that. Get a quote

For incorporated and unincorporated business owners planning both sides of their net worth. Every business is a little different: our pricing reflects the dynamic nature of being a business owner, with everyone running at a different size and stage.

What your plan covers
  1. Everything in a personal and household retirement plan
  2. Marrying your personal and business net worth into one strategy
  3. Corporate structure and how you pay yourself
    • Salary and dividend mix
    • An audit of idle and passive corporate cash
  4. Corporate tax planning
  5. Investment planning, tied to your broader financial plan
  6. Cash flow and revenue projections, to make an uncertain future more visible
  7. Corporate decumulation strategy
  8. Succession and sale-of-business considerations

About the annual retainer: a full annual review of your plan, a quarterly check-in, and a resource whenever questions come up. Full, ongoing business advisory is a separate monthly relationship (see Ongoing Business Wealth Advisory).

Ongoing Business Wealth Advisory
Custom PricingMonthly, priced per company, plus GST/HST. Custom quotes only.
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For business owners who want a standing Business Relationship Manager and advisor: full business advisory, done on a monthly basis, year-round, priced per company.

What your plan covers
  1. Everything in a personal and household retirement plan
  2. Marrying your personal and business net worth into one strategy
  3. Corporate structure and how you pay yourself
    • Salary and dividend mix
    • An audit of idle and passive corporate cash
  4. Corporate tax planning
  5. Investment planning, tied to your broader financial plan
  6. Cash flow and revenue projections, to make an uncertain future more visible
  7. Corporate decumulation strategy
  8. Succession and sale-of-business considerations
  9. Full, holistic business planning and advisory, covering everything above and more
  10. Delivered monthly, as an ongoing, year-round relationship

We take on a limited number of full-practice advisory relationships per year. This is done via private access, on a case-by-case basis.

The business planning framework

Know it. Grow it.
Enjoy it.

Before you can grow or enjoy what you've built, you need an honest read on where the business and the personal numbers actually stand.

  • Everything in a personal and household retirement plan, as the foundation
  • Cash flow and revenue projections, so the picture isn't guesswork
  • A clear, written snapshot of where your personal and corporate net worth stand together

This is the strategy that puts the business, and the money attached to it, to work, so both sides of your balance sheet pull in the same direction.

  • Marrying your personal and business net worth into one strategy
  • Corporate structure and how you pay yourself, including salary/dividend mix and an audit of idle corporate cash
  • Investment planning: putting resources into getting idle cash working
  • A full overlay of growth targets: profit and revenue mapping with alternative scenarios, a clear read on upcoming major expenses and investments and what they mean for you, where to go to raise capital, and how to effectively walk into a bank or financial institution
  • Full personal tax planning, with your corporate strategy lined up to match it

What you built this for is a business, and a life, you actually enjoy: whether that means staying in it for the long haul, or winding it down on your terms, we map out whichever direction fits before you decide.

  • Preparing for an exit, or simply adding value: making sure your business respects both your revenue and your time, so it's scalable and sellable, whether or not you ever actually sell it
  • Exit it: succession and sale-of-business considerations, mapped out ahead of time
  • Wind down: corporate decumulation strategy, if you are winding the business down rather than selling outright

What this is

Your personal and business strategies, finally working as one.

You spent your career building a business. Building from nothing is hard enough as it is, so the planning shouldn't be on you too. You built it; putting a clear plan around it, one optimized for tax strategy and cash flow projected forward, is what this engagement is really for.

You can have a great strategy on the business side or the personal side, but if the two are not organized together, they quietly become a poor one.

A big part of this work is marrying your personal and business net worth, so your corporate structure, how you pay yourself, your idle cash, and your personal plan all pull in the same direction. The result is one strategy across both sides of your balance sheet, built to make an uncertain future more visible.