Protect what you have built, and keep more of it working for your family.
I help incorporated Ontario business owners and families look at retained earnings, estate costs and business continuity with a second set of eyes, working alongside your accountant.
Jackson Armstrong, Financial Consultant, LLQP
I am a Financial Consultant licensed in Ontario (LLQP) and an independent agent with Experior Financial Group. I am based in Burlington and work with clients across the GTA and Hamilton-Burlington.
Because I am independent, I compare options across several companies rather than one. My role is to bring clear numbers to the table so you, your accountant and your lawyer can make a decision that fits your situation.
Owners who have built something, and the families who rely on it
Incorporated business owners
- Retained earnings. Surplus left in a corporation may be taxed as passive income. Some owners look at whether part of it could grow in a tax-exempt structure instead, depending on your situation.
- Estate liquidity and tax at death. The deemed disposition at death may create a large tax bill. Planning ahead can help your estate pay it without selling assets in a hurry.
- Buy-sell and key-person needs. If a partner or key person were gone, where would the money for a buyout or lost revenue come from?
Families
- Income protection. Making sure your household could keep its home and plans if an income stopped.
- Debt and mortgage coverage. Looking at what would need to be paid off and what would be left.
- Leaving more to the next generation. Simple steps that may reduce what an estate loses to taxes and fees.
Alongside your accountant, not instead of them
Your accountant knows your corporation. I add a second set of eyes on the protection and estate side, and I share my numbers so they can review them.
- A 20-minute conversation. We look at where you are today and what matters to you.
- A side-by-side comparison. I compare options across several companies and show the trade-offs plainly.
- Review with your accountant and lawyer. You take it to your accountant and lawyer. Nothing moves until it makes sense to all of you.
From problem solving to financial consulting
I completed the Advanced Diploma in Mechanical Engineering Technology at Mohawk College in 2024, and while I was in school I worked in the field as a co-op Mechanical Engineering Technologist at Bürkert Fluid Control Systems. I loved it, from piping drawings to a capstone project on preventative maintenance and remote monitoring of ventilation and filtration systems. Still, I felt I would eventually be capped. I had planned to pursue my P.Eng, but partway through my schooling the requirements changed to require a university degree, and I chose not to invest more time and money.
So I thought back to what I have always enjoyed. As a kid, I would help strangers in stores, toy stores included, whenever I noticed they had a problem. My parents still recall this. In high school, I loved my job as a sales associate in the hardware department at Canadian Tire. People came to me with their problems, and I helped them find answers that solved them. My shifts flew by, and it never felt like a job.
I have always had an entrepreneurial mindset and a love for solving problems. Financial consulting lets me bring those together: an engineering-trained way of working through numbers and problems, combined with helping people find answers that fit their situation.
That is how I approach every client conversation. I listen, work through the numbers carefully, and help you and your accountant see the options clearly.
Licensed, independent, and able to compare
- Life License Qualification Program (LLQP), licensed in Ontario
- Independent agent with Experior Financial Group
- Can compare options from companies including Canada Life, Empire Life, Manulife, iA and Desjardins, depending on your situation and underwriting
Three steps, no obligation
1. A no-cost 20-minute financial analysis
We talk through your business, your family and what you want to protect.
2. Review alongside your accountant
I share my numbers so your accountant can check them against your corporate picture.
3. Clear written options
You receive a plain-language summary of options to consider. There is no obligation to proceed.
Integrity
I recommend what fits your situation, and I will tell you when something does not.
Plain language
No jargon. You should understand every number before you decide.
Working alongside your accountant
A second set of eyes, never a replacement for the advice you already trust.
See where you stand in about 2 minutes
No-cost, and you see your result without signing up. Results are illustrative estimates.
Estate tax check
An estimate of the tax that may be due at death on RRSPs, cottages, rentals and investments.
Open calculator →Surplus growth
Compare corporate surplus taxed as passive income with other ways it may grow.
Open calculator →Buy-sell funding
How much a buyout could cost and where the money might come from.
Open calculator →Business owner check
A quick look at key-person and continuity needs for your company.
Open calculator →All business owner tools
The full set of guides and calculators for incorporated owners.
Browse →Book a no-cost 20-minute financial analysis
Pick a time that suits you. Prefer to send a message first? Use the contact form on Ironmark.