Corporate structure
Opco, holdco and trust set up for what you own and where it is heading.
For incorporated owners earning $500K+ with retained earnings · Ontario
Your accountant files. Your banker lends. Your insurer covers.
Who connects them?
If you own a profitable corporation, pay more tax than you should, and have retained earnings sitting idle, the problem is rarely one professional. It is that none of them work from the same plan. CDA Wealth designs one integrated structure across tax, insurance, lending, investing and estate, then coordinates your Power Team to put it in place and reduce the tax you pay now and later.
- The Wealth Optimization Framework™: eight pillars, one plan
- CFO-level planning for owners, not just the ultra-wealthy
- Works alongside your existing CPA
The problemEight professionals, eight silos, and you are the only one trying to connect them.
Our roleDesign the integrated structure, then coordinate the Power Team to execute it.
The outcomeLess tax now and later, stronger borrowing position, protected wealth, and a plan your family can follow.
The Wealth Optimization Framework™
Eight pillars. One plan.
Your financial life has eight moving parts. Most advisors look at one. The Wealth Optimization Framework™ reviews all eight together, in plain language, so nothing is decided in a silo.
Tax-efficient compensation
Salary, dividends and capital dividends chosen on purpose, not by habit.
Retained earnings & corporate investing
Surplus that works as hard inside the corporation as it would outside.
Insurance as a structure
Corporately owned coverage that funds the CDA, retirement and the estate bill.
Estate & succession
A designed exit: freeze, funding and documents that agree with each other.
Lending & liquidity
A structure that strengthens what lenders see and keeps cash reachable.
Registered plans & personal wealth
IPP, RRSP, TFSA, FHSA and RESP used in the right order and amounts.
Risk & protection
Income, partners, key people and health: insured or deliberately self-insured.
Not another insurance conversation
Insurance is one of the eight pillars, and it is the pillar that funds many of the others. We start with the structure, and the products follow only where they earn their place.
Take the test
Wealth Optimization Score: 20 questions, 3 minutes, instant result
Answer honestly. There are no wrong answers, only gaps worth knowing about. Your answers stay in your browser until you choose to share them.
Question 1 of 20
Pick an answer to continue
Your Wealth Optimization Score
0/ 100
This score is a conversation starter, not advice. It reflects only what you told us, and a mapping session is where we look at the actual documents.
How it works
From a score to a structure
- 1Take the test
Three minutes. You see where the gaps are before we ever speak.
- 2Mapping session
A 45-minute conversation where we draw your current structure and the one it could be.
- 3Eight-pillar review
We work through all eight pillars against your actual documents and produce a written plan.
- 4Implement with your team
Your CPA, lawyer and lender stay. We coordinate, timed to your corporate year-end.
- 5Optimize every year
Structures drift. We review annually and whenever your life or business changes.
Your private client page
After every meeting you receive a secure, personal page: the plan in plain language, options side by side, the documents we reviewed, and an AI expert that answers questions using only your own material.
Who this is for
Built for owners who have outgrown product-by-product advice
- Incorporated professionals and business owners earning $500,000 or more, with fewer than 100 employees and a consistently profitable corporation.
- Owners with retained earnings sitting in the operating company, in a bank account, or in investments that were never designed for a corporation.
- Anyone with a tax problem, now or in the future: high personal tax on compensation, passive income grinding the small-business deduction, or an estate bill nobody has funded.
- Owners with a good accountant and no integrated plan. We do not replace your CPA. We give them a structure to work within.
The Power Team
One plan, executed by every specialist you need
This is not a referral network. It is a coordinated team of professionals who work from the single structure we design with you, so nothing is decided in a silo.
Corporate & estate lawyers
Holding companies, family trusts, estate freezes, shareholder agreements and wills that agree with each other.
CPA & tax strategist
Compensation planning, Capital Dividend Account tracking, passive-income management and year-end execution.
Licensed financial advisor & portfolio strategist
Corporate and personal investments coordinated as one portfolio, tax-efficient and creditor-aware.
Private banker & private lender
Borrowing power designed into the structure: leverage against corporate assets and insurance where it makes sense.
Exempt market & private equity access
Alternative investment opportunities for surplus capital, reviewed for fit and risk inside the plan.
Mortgage strategist & realtor
Residential and commercial property held and financed in the right entity, with the right lender.
Our advisors
Two advisors who coordinate the plan and the Power Team
Every engagement is led by one of us from the first mapping session through implementation and annual reviews.
Parth Shah, PhD, CFA
Founder & Principal Advisor · LLQP
Parth helps successful business owners and incorporated professionals answer one question: how do I keep more of what I have built, without unnecessary risk or tax erosion? He designs tax-efficient wealth structures that bring together corporate-owned life insurance, capital dividend account planning, holding-company strategies, registered plans such as IPPs, RRSPs, TFSAs and FHSAs, and insured retirement programs, working alongside your CPA, tax lawyer and estate planner so every strategy is compliant, integrated and built to last.
LinkedIn · parth.shah@preservewealthgroups.ca · 437-339-8013
Timir Shah
Wealth Strategist · LLQP
Timir believes family-office-level wealth strategy should not be reserved for the ultra-wealthy. He works with incorporated professionals, self-employed individuals, engineers and business owners to deliver CFO-level planning through the Wealth Optimization Framework™, an eight-pillar integrated review designed to surface what most advisory relationships miss, backed by a coordinated team of specialists working from the same plan.
LinkedIn · timir.shah@preservewealthgroups.ca · 437-771-5510
Questions
Frequently asked
How is this different from what my accountant does?
Your accountant keeps you compliant and files well within the structure you have. We work on the structure itself, across tax, insurance, lending, investing and estate at the same time, and then hand your accountant a plan to execute within. Most of our clients keep their accountant.
What does the review cost?
The test, the mapping session and the eight-pillar review are provided at no charge. As licensed insurance advisors we are compensated by insurers if and when a policy is placed, which we disclose in every recommendation. Legal and accounting work is billed by those professionals directly.
Do I need to be incorporated?
The framework is built for corporations, but many pillars apply to self-employed professionals and high-income families too. The test will tell you how much of it is relevant to you.
Where do you work?
We are licensed in Ontario and meet clients in person in the Greater Toronto Area or by video anywhere in the province.
How long does it take?
The mapping session is 45 minutes. The written eight-pillar review typically follows within two weeks. Implementation is timed to your corporate year-end, so full execution can take up to a year.
What is the first step?
Take the test below, then book a mapping session. Bring nothing; we will tell you what to gather after we have talked.
Book a mapping session
See your structure drawn out in 45 minutes
By video or in person. No documents needed for the first conversation.
- Parth
- 437-339-8013 · parth.shah@preservewealthgroups.ca
- Timir
- 437-771-5510 · timir.shah@preservewealthgroups.ca
- Hours
- Monday to Friday, 9:00 am to 6:00 pm, and by appointment