Financial Services

You've built your business and attracted a team of skilled employees, through significant dedication of time and resources. Have you made plans to protect and invest in your efforts - and to ensure the future of your business?

CapriCMW Financial Advisors can assist you by developing a financial plan that provides the funding mechanisms you need when you need them most. Whether you are starting a new venture or maintaining a successful one, we bring decades of experience and specialized expertise to create a custom solution that will support your growth.

Our custom financial solutions for businesses include:

Corporate Financial Risk Solutions

Corporate financial risks are found in events that can significantly affect the health and future of your company. These can include the financial impacts that arise from the sudden death or disability of key employees, or the tax and financial implications of the departure of key shareholders. CMW Financial has customized solutions that keep your operations running:

Group Benefits

Group Benefits and Pension

Investment Planning

Many of our clients wonder what they should do with their retained earnings held by their company. A corporate investment portfolio can offer some distinct tax advantages compared to personally investing the money. CMW Financial assists our clients by building a tax differed corporate investment strategy regardless of whether the funds are intended for long-term business growth or retirement. We draw upon a suite of investment and insurance tools for these purposes.  High net worth investors have access to our integrated Private Wealth Planning team.

Estate & Succession Planning

Many business owners will be approaching retirement over the next 10 to 15 years. However, few have likely made any succession or estate plans to transfer ownership. Others have questions about changes to business ownership:  How do you sell or pass down your business to your children, and maximize the value?  How are capital gains taxes paid in the event of a premature death of a business partner or owner? How can we maximize the value to be passed onto family or charity? CapriCMW assists clients with all of these concerns and reducing the overall impact of taxes.  We draw upon a suite of tax preferred products and the creative use of permanent life insurance.

Recent Blog Posts

Business Insurance / Cyber Insurance, data breach, ransomware
Video: How to Protect Your Organization Against Ransomware

Ransomware is one of the most damaging types of cyber attacks and cyber criminals are becoming more…

Jan 22nd, 2020 | By: CapriCMW
Employee Benefits / employee benefits, long term disability, maternity leave
Returning From Mat Leave: Insurers Stop Reset of Pre-existing Conditions Clauses for Long-Term Disability

Recently, major Canadian insurers have stopped applying the pre-existing conditions clauses for…

Jan 16th, 2020 | By: CapriCMW
Business Insights / food safety, food and beverage
New Requirements Under Safe Food for Canadians Regulations in Effect January 15, 2020

As of January 15, 2020, fresh fruits and vegetables businesses, including growers and harvesters,…

Jan 8th, 2020 | By: CapriCMW

Talk to an Advisor

Your CapriCMW Risk Advisor has highly specialized knowledge of your industry and is empowered to act quickly and independently to ensure direct, personal service.

Can’t find what you are looking for? Ask us!