The Silent Accumulator
September 4, 2025
With education and ongoing dialogue, their confidence grew. The markets dropped shortly after they started investing, and they panicked.
The Professional
The Problem
Derek has helped build the engineering firm from the ground up, employing 20 skilled workers and growing annual revenues to over $3 million. He has accumulated nearly $ 1.5 million within his Hold CO account. Derek was relying on outdated advice and was unaware that he was paying thousands more in tax annually than needed. He was growing frustrated with his team, his accountant wasn’t talking to his financial planner and his financial planner, although great 10 years ago, seemed out of their depth now. With retirement on his mind as he approaches 50, he needed a clear, actionable strategy to efficiently accumulate and withdraw his earnings.
Derek expressed concerns about succession, tax efficiency, and transferring his wealth to his family without triggering unnecessary tax liabilities.
The Approach
Derek wanted to work with a Financial Planner who had experience in this area. Someone who would work with his accountant to put the pieces together.
He didn’t have time to be involved as much as he would like, but he wanted to have his questions answered and feel confident that his team was taking care of things.
The Outcome
Derek was excited to work with a Financial Advisor who did more than invest money.
He had a new direction that incorporated his entire financial picture, which included:
- A strategy involving regular dividend withdrawals to clear out RDTOH accounts in the future
- Salary optimization
- The introduction of tax-efficient asset location across his corporate and personal investment portfolio
- A low-cost, tax-efficient investment strategy
- Insurance analysis to ensure his family was protected
- Investment automations to reduce the time spent doing this
- A direction for the deacumulation phase
- A line of communication opened between his financial planner and accountant
- Cleared out his Notional Accounts
- A timeline for the implementation of an Individual Pension Plan.
Derek now has a clear picture of where he is and where he is going. He was already on track to meet his goals, now he is on track to exceed them. The best part is that now, when he thinks about his finances, it doesn’t come with the nagging feeling that he is missing something.
- Case Client: Derek
- Age: 47
- Occupation: Partner at engineering firm
Primary Goal:
To have a team that takes care of the details so he can focus on other things.
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The Ex-Farmer
September 4, 2025
Pat and Karen grew more comfortable, appreciating the structured and logical approach that provided financial security, a steady income, and confidence that when the markets next crashed, they had a plan.