Finuity Blog
Understanding the Capital Dividend Account (CDA) for Business Owners
A lesser-understood component of corporate planning For many business owners, corporate financial...
Health Spending Accounts for Employers: How They Work and When They Make Sense
A shift toward flexible benefits design As employee expectations around benefits continue to...
When Was the Last Time You Audited Your Benefits Plan?
Most business owners review their financial statements regularly. Budgets are revisited. Contracts are renegotiated. Operational efficiencies are assessed. Yet many group benefits plans go years without a formal review. A benefits plan is not a static document. It...
Preparing Your Children for the Responsibility of Wealth
For many successful business owners and professionals, building wealth required discipline, risk, sacrifice, and long-term thinking. Yet when it comes to talking about that wealth with their children, even confident leaders often hesitate. Money conversations can feel...
The Real Cost of Avoiding Estate Planning
Why waiting carries a higher price than you think Most successful professionals and business owners in Canada know they should have a will, a plan, and a clear roadmap for what happens if they die or become incapacitated. Yet estate planning often sits on the...
Group Benefits vs. Individual Coverage: What Employers Need to Know
Many business owners eventually ask the same question: “If my employees can buy their own insurance, do I really need a group benefits plan?” It is a fair question, especially when premiums are rising and every cost line is under review. On the surface, letting...
How to Support Employee Mental Health Without Adding Cost
The Growing Importance of Mental Health Mental health is becoming a top priority for employers—and for good reason. Poor mental health can increase absenteeism, reduce productivity, and lower morale, all of which impact your bottom line. Yet many businesses believe...
Using a Holding Company to Support Your Estate Plan
Tax efficiency, wealth transfer, and asset protection strategies for Canadians Incorporated business owners in Canada often accumulate wealth inside their corporations over time. But when it comes to estate planning, how that wealth is structured — and how it flows to...