Financial Planning for Top-Earning Business Owners & Incorporated Professionals

Your financial life,
done for you.

One CFP®-led team. Every advisor in your world moving in concert with a single plan that compounds.

Claim Your Discovery Session → Am I a Fit? →

250+ Canadian clients served

40+ Years of planning experience

CFP® Certified planner-led team

★★★★★ 5.0 Rated on Google

Ocean 6 advisor reviewing a financial plan in the boardroom

Are you a fit for the Do It For You Method?

30-Second Check

Income thresholdYou earn $500K+ in gross income as an incorporated professional, or your business generates $200K+ in net income (or you are trending toward one of those thresholds
Corporate structureYou are incorporated professional corporation or operating company
Planning philosophyYou want the plan to lead, not another product pitch
Time horizonYou are thinking in decades, not quarters or quick wins
Advisor readinessYour financial life has outgrown the advisor who got you here

Three or more apply? You're probably exactly who we're built for. Claim Your Discovery Session →

Choose Your Path

Where are you right now?

The plan looks different depending on whether you own a business or earn through a professional corporation. Pick the path that fits, we'll show you exactly how Ocean 6 fits into your world.

Path 1

I'm an Incorporated Professional

Physician, dentist, optometrist, lawyer, engineer, consultant, earning through a professional corporation.

$500K+ in gross income
Mix of corporate and personal cash flow
Underused tax-deferral and corporate structure
Multiple advisors not talking to each other

See the professional path → Path 2

I'm an Established Business Owner

You've built something real. Now you need a plan for the wealth coming out of the business, not just inside it.

$200K+ in business net income, or trending there
Operating company + holding company structure
Exit, succession, or scale on the horizon
Cash trapped, plans fragmented, time scarce

See the business-owner path →

Fear to Clarity

You think you have a plan. The numbers say otherwise.

Most high-earning Canadians have an accountant who files. A banker who manages an account. An advisor who manages an RRSP. What almost none of them have is a single coordinated strategy. Here is the gap, in numbers.

I already have an advisor. Aren't they doing this?

of Canadians say they are getting truly comprehensive financial advice.

J.D. Power, 2023

43%

of people with a financial plan don't feel their advisor understands their goals.

J.D. Power, 2023

I'll deal with this later.

90%

of major financial life events aren't managed proactively.

OECD financial lifecycle research

1 in 3

Canadians avoid financial decisions because the picture feels overwhelming.

Financial Consumer Agency of Canada (FCAC)

This feels too expensive.

200%

more likely to experience anxiety about money without a financial planner.

FP Canada, 2025

My bank does this for free.

45%

of advisors failed a basic financial knowledge test conducted by a regulator.

U.S. regulator study

You don't need another advisor. You need a coordinated plan. That's what Ocean 6 is.

How We're Different

We act as your financial quarterback.

Most advisors offer a single service and leave you to manage everyone else. Ocean 6 leads with the plan, then coordinates your entire financial team around it. You make the calls. We run the plays.

Before Ocean 6

You, managing everyone.

Each professional gives you one piece of advice. You become the translator, the coordinator, the project manager. Decisions slip through the cracks because nobody owns the whole board.

With Ocean 6

Ocean 6, quarterbacking the team.

You set the direction. Ocean 6 runs the plays, briefing your professionals, driving deadlines, and making sure every move strengthens the next. One plan, one cadence, one accountability.

See The Do It For You Method →

A Question We Hear Often

"Isn't this what my accountant does?"

It's the right question. And the honest answer is: no, and they'd be the first to tell you that. Your accountant is essential. They're just not built to do what Ocean 6 does, and confusing the two is one of the most expensive mistakes high-earning Canadians make.

Your Accountant

Reactive, compliance-led, year-by-year.

Files the return you already earned. They optimize what already happened, not what's about to.
Operates inside a single tax year. Decisions in February are about last year's books. Multi-year planning isn't their billable model.
Doesn't see your personal balance sheet. Your RRSPs, TFSAs, insurance, and family planning sit outside their scope.
Doesn't coordinate your lawyer, banker, or insurance broker. Each professional works in isolation, by design.
Bills by the hour or by the return. The incentive is to be efficient, not strategic.
Reactive to your questions. If you don't ask about a holdco, an estate freeze, or a CDA strategy, it's unlikely to come up.

Ocean 6

Proactive, plan-led, decade-by-decade.

Plans the return you haven't earned yet. We design the structure first so the tax return is an output, not a surprise.
Operates across 10, 20, 30 years. Every decision is connected to a long-arc plan, and revisited quarterly.
Sees the entire balance sheet. Corporate, personal, insurance, real estate, estate, under one strategy.
Quarterbacks your full team. Your accountant, lawyer, banker and insurance broker, coordinated, briefed, and moving in the same direction.
Fee-based, flat planning relationship. Our incentive is to add measurable value year after year, not to maximize transactions.
Proactive by design. We bring the tax move, the structural move, the insurance move, before you have to ask.

Your accountant and Ocean 6 are designed to play different positions, not the same one. Compliance and proactive planning are both essential, they're just rarely the same job. Whichever accountant you work with, we slot in to coordinate the long-arc strategy alongside them.

The Other Common Question

"How are you different from other financial planners?"

Most "financial planners" in Canada are licensed to sell one thing, investments, insurance, or mutual funds, and the plan exists to support the sale. Ocean 6 inverts that. The plan is the product. Insurance and investments are how we execute it.

Typical Financial Planner

Product-led. Single-pillar.

Licensed in one discipline. Investments OR insurance OR banking, rarely all three under one roof.
The "plan" is a sales tool. Often free, often generic, often pointing toward a specific product recommendation.
Compensated by product sales. Commission, trailer fees, embedded compensation, the math runs in the background.
Reviews tied to market performance. "How did the portfolio do this quarter?", not "is the plan still right?"
Limited scope. Tax, estate, corporate structure and business succession sit outside the typical engagement.
You manage the rest of your professionals. Your accountant and lawyer remain on your shoulders to coordinate.

Ocean 6

Plan-led. Eight-pillar.

CFP®-led, multi-disciplinary team. Wealth advisory, insurance and CIRO-regulated investments, under one accountability.
The plan is the product. Transparent fee. We earn the relationship year after year through measurable value.
Fee-based, plain English pricing. No commission games, no hidden trailer math. You see what you pay.
Reviews tied to plan performance. "Is the plan still right for who you are now?", every quarter.
All eight pillars actively managed. Cash flow, tax, investments, retirement, insurance, estate, business, legacy.
We coordinate your team. Direct conversations with your accountant, lawyer and banker, driven by us, not by you.

See If We're a Fit →

The Ocean 6 Eight Pillars

Eight parts of your financial life. One coordinated plan.

Most advisors plan one or two of these and call it a financial plan. The Ocean 6 plan covers all eight, and connects them, so every decision you make in one pillar strengthens the others.

Goals

We start by getting clear on what your dream life looks like. Your goals are the foundation for every financial decision that follows.

Cash Flow

We take an in-depth look at your income, assets and debts, then design a behavioural cash flow strategy that funds your goals without sacrificing your life.

Corporate Structure

Your corporation is a powerful financial tool. From how you pay yourself to how retained earnings get invested, we make it work for your wealth.

Tax Planning

Taxes are often your biggest single expense. We proactively design your plan to minimize what you pay now and across the next 20 years.

Risk Management

Insurance is a planning tool, not a product. Whether to eliminate risk, plan a legacy, or shelter tax, we structure it to support the plan.

Investment Management

Returns are only one part of portfolio management. We balance management fees, risk tolerance and tax efficiency to maximize what actually lands in your pocket.

Debt Management

Lowest interest rate is not the whole story. We look at the total cost of borrowing so you win on the math, not the bank.

Legacy

Maximize every dollar to build the legacy you want to leave behind. Your wealth stays with your family, not with the CRA.

Every Ocean 6 client has all eight pillars actively managed, not because every pillar is a priority every year, but because they all connect.

Proof in the Outcomes

What Ocean 6 clients say.

They showed me how to save over $15,000 in taxes just by restructuring how I pay myself. It's the best ROI I've had all year.

Dr. James T.

Incorporated Professional

Before Ocean 6, my accountant handled my taxes and my advisor handled my RRSPs, but nobody was looking at the big picture. Ocean 6 connected the dots between my corporation and my personal life. The clarity is incredible.

Sarah M.

Marketing Agency Owner

If you have that little voice in your head asking "am I set up the best way possible?", you need to see Ocean 6. I would pay triple if I was asked to start over.

Jon Malach

CEO, Native Ads

Having their support to strategize the best options for both our company and our personal finances has been instrumental to our success. I highly recommend it if you're looking for a roadmap.

Justine & Melanie Levenberg

Founders, Impact Entrepreneurs

Proof in Real Outcomes

Two clients. Two structures. Two very different lives, same playbook.

These are real Ocean 6 clients. Names changed, numbers are not. The work in both cases started with the same question: "What does the plan look like once every part of my financial life is moving in the same direction?"

Ocean 6 advisor with a business-owner client

Case Study

Retiring early to the life of his dreams.

Paul · 45 · Marketing Agency Owner

Paul wanted to retire in five years, sell his $6M marketing agency, free up his time, and travel with his family. The challenge wasn't the sale. It was minimizing the tax burden on the way out so retirement actually arrived early.

The Ocean 6 plays: Family trust naming both spouses and their two children as beneficiaries, multiplying access to the Lifetime Capital Gains Exemption to shelter $4M of sale profit from tax. Holding company structured as a trust beneficiary to receive pre-sale profits cleanly and simplify the eventual transaction.

$1M

Tax burden eliminated on business sale

2 homes

Vacation properties purchased post-retirement

Ocean 6 advisors collaborating on a client plan

Case Study

From financial chaos to clarity.

George · 29 · Software Engineer & Business Owner

George was earning well and saving harder, but without a coordinated plan, his wealth was concentrated in company stock, exposed to unnecessary tax, and scattered across accounts in two countries. He wanted a down payment on his dream home, real passive income, and the bandwidth to launch his next venture.

The Ocean 6 plays: Restructured corporate activities to immediately recover annual tax leakage. Built a diversification strategy that moved net worth out of single-stock concentration. Consolidated investment accounts across countries and institutions into one real-time view.

$40K /yr

Annual tax savings, compounding indefinitely

1 view

Holistic, real-time picture of his finances

Outcomes are specific to each client's situation, structure and goals. Your plan won't look exactly like Paul's or George's, but the way we'd build it will.

250+

Canadian families & business owners served

40+

Years of planning experience

Pillars of wealth actively coordinated

CFP®

All lead advisors are Certified Financial Planners

Common Questions

Before we talk, you might be asking

The questions we hear most often from incorporated professionals and business owners considering a move.

Who is the right fit for Ocean 6?

We work best with two profiles. Incorporated professionals (physicians, dentists, lawyers, optometrists, engineers) at roughly $500K+ in gross income. And business owners whose company is generating $200K+ in annual net income (or trending there). The unifying trait is complexity: corporate and personal income, multiple advisors, and not enough hours to coordinate it yourself.

Isn't proactive tax planning what my accountant does?

Accountants are essential, and they are largely structured to be reactive. Most accounting relationships are billed by the return, optimized for compliance, and operate year-by-year. By the time the books are closed, the decisions that would have mattered most are already in the rear-view mirror. Ocean 6 is built for the opposite: proactive, multi-year, plan-driven. We design the structure today so your accountant has a cleaner return to file tomorrow. We don't replace your accountant, we work with them, brief them, and align them with the long-arc plan.

What does Ocean 6 not do?

We are personal financial planners and wealth strategists for business owners and incorporated professionals. We design the strategy, coordinate your professionals, and execute the planning, insurance, and investment work in-house. What we do not do: file your corporate tax returns, run your corporate bookkeeping, or offer formal corporate business consulting. Those remain your accountant's and lawyer's domain. We brief them, align them with the long-arc plan, and make sure everything moves together.

Do I have to change my accountant or lawyer to work with Ocean 6?

Not unless you want to. The Do It For You Method is built to coordinate the professionals you already have, and we work with great accountants and lawyers across Canada every week. Some clients arrive with strong existing relationships and we slot in alongside them. Others arrive looking for fresh recommendations, and we introduce them to vetted partners. Either path works. The point is the coordination, not the personnel change.

How are you different from other financial planners I've talked to?

Three structural differences. One: we lead with the plan, not a product, most "planners" in Canada are licensed in one discipline (investments OR insurance) and the plan exists to support that sale. We're licensed across all three and the plan is the product itself. Two: we coordinate the rest of your team, your accountant, lawyer, banker, rather than leaving you to manage them. Three: we work across all eight pillars of your financial life every year, not just the one or two pillars connected to a sale. The order matters. It changes what gets recommended and what doesn't.

How does Ocean 6 charge?

Transparent fee-based pricing for financial planning. We will only move forward together if our fee is demonstrably outweighed by the value we create, that's a foundational commitment we make on day one. We walk through fees in plain English on the discovery call; no surprises.

Do I have to move my accountant or lawyer to work with Ocean 6?

No. The Do It For You Model is built to coordinate your existing professionals, your accountant, lawyer, banker, even your current insurance broker if you have one. We slot in as the planning lead. If a relationship isn't serving you, we'll say so and offer alternatives, but moving them is your call.

Is Ocean 6 regulated? Where is my money held?

Ocean 6 Investment Solutions Inc. is a registered mutual fund dealer with the Canadian Investment Regulatory Organization (CIRO) and a member of the Canadian Investor Protection Fund (CIPF). Ocean 6 Wealth Advisory Inc. provides fee-based financial planning and licensed insurance products. Client assets are held by independent third-party custodians, not by Ocean 6 directly.

What does the first conversation look like?

A 30-minute strategy call. No slide deck, no pitch. We listen to where you are, where you want to go, and the friction in the middle. By the end, you'll have a clear picture of whether Ocean 6 is the right fit, and if it's not, we'll point you toward someone who is.

Next Step

One conversation. A clearer financial future.

Thirty minutes with a CFP®-led planner. We listen, identify the three biggest leverage points in your current setup, and tell you honestly whether the Do It For You Method is the right fit.

Claim Your Discovery Session →

Your financial life,done for you.