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Mark, 53, owns a highly successful professional services firm. The business generates between $500K and $1.5M in annual surplus cash flow, which is swept into his holding company each year. With 12 years until his desired exit, Mark wants to transform this success into lasting, tax-efficient wealth for his family. He’s married, with a spouse who works, and has two children in university. While financially secure, Mark knows that without planning, his financial legacy could be vulnerable to taxes, poor timing, or a rushed sale.
Mark approached Exponent with key concerns:
Built a multi-layered retirement and investment plan – Modeled exit scenarios (sale, succession, hybrid) – Repositioned corporate assets for dividend income and liquidity
Implemented Holdco freeze and future tax strategy – Designed corporate-owned whole life insurance for tax liabilities – Reviewed legal documents and shareholder agreements
Formalized family legacy and charitable intentions – Created a long-term Holdco distribution strategy – Facilitated a family wealth meeting The Outcome Mark now has the clarity and structure to continue growing his business with intention. His Holdco is now a wealth-building and transition vehicle – not just a tax shelter. His family is informed, and his future tax exposure is addressed through strategic insurance planning.