At Oldfield Group Wealth Management, we understand that business owners and high-net-worth Canadians don’t retire the way everyone else does. Your financial picture is more complex. For business owners, your wealth is often tied to your company. And the decisions ahead—when to sell, how to draw income, where to reinvest—aren’t small. That’s why you need more than advice. You need a strategy that connects every part of your financial life and transforms it into a plan that lasts.
We specialize in retirement plans for business owners who want to protect what they’ve built and enjoy the freedom they’ve earned. Whether you’re preparing for an exit, selling shares, or stepping into retirement gradually, we help you make smart, tax-efficient choices every step of the way.
Building wealth inside and outside the business
Many small business owners are excellent at growing wealth within their business. But true retirement readiness comes from growing and protecting wealth outside the business too. Our team works with clients to transition from reinvesting every dollar into the company to building a personal financial foundation that supports long-term income, lifestyle, and legacy goals.
We help you:
- Create a well-diversified investment portfolio outside your corporation
- Use a holding company and insurance solutions to reduce your long-term tax burden
- Build retirement income that adapts to your goals and risk tolerance
- Plan for a business sale, family succession, or transition that protects your life’s work
The best retirement plans for small business owners are living, breathing strategies
Retirement isn’t static. Health evolves. Priorities shift. Family dynamics change. That’s why we build what we call a “living plan.” It’s flexible, responsive, and constantly evolving alongside you. It adapts to business changes, personal goals, or market shifts. Thinking about downsizing? Buying a second property? Helping your adult kids? We recalibrate to keep everything aligned.
Our “living plan” integrates your personal and corporate finances, combining succession, estate, tax, and investment planning into a single, unified approach.
Full-scale integration = real peace of mind
Your retirement plan should do more than look good on paper. It should work in real life. That means ensuring your income streams, registered accounts, and corporate assets all move in sync—optimizing cash flow, reducing tax drag, and supporting your retirement vision. RRSPs, RRIFs, TFSAs, non-registered funds, holding companies—we map it all out with clarity.
And because we bring in-house tax expertise to every file, you’re never left chasing answers. Every withdrawal, dividend, and transfer is carefully coordinated for efficiency.
The decumulation shift: from saving to spending
As a business owner, you’ve spent years in accumulation mode—saving, growing, building. But retirement requires a new mindset. It’s about decumulation: how to draw from your assets strategically without running out or overpaying tax. We help you decide which accounts to use first, how to minimize tax over time, and how to preserve optionality for future years.
Our approach balances enjoyment and prudence, empowering you to live well without anxiety about the numbers.
Business retirement plans tailored to your exit strategy
Whether you plan to sell your business, pass it on to family, or gradually step back, the retirement strategy needs to reflect your exit. We help you plan your timing, structure payouts to minimize tax, and reinvest proceeds in a way that supports the lifestyle you’ve envisioned.
From shareholder agreements to insurance-funded buyouts and retirement compensation arrangements, we build custom retirement plans for small business owners ready to move on—without leaving money on the table.
Taxes: the silent threat to business owner retirement
One of the biggest risks in retirement is unnecessary taxation. Our team specializes in helping business owners keep more of their money. That includes:
- Income splitting between spouses and family
- Tax-efficient withdrawals from corporate and personal accounts
- Life insurance to protect against estate erosion
- Strategic planning to avoid OAS clawbacks and AMT pitfalls
With Oldfield Group Wealth Management, tax planning isn’t a side conversation—it’s baked into every recommendation.
Retirement that doesn’t stop growing
Retirement doesn’t mean your money stops working. We manage your investments with care, adapting your portfolio to balance growth, protection, and income. Inflation, longevity, and unexpected expenses are all considered, ensuring your wealth keeps pace with your life.
Whether you’re conservative or still open to growth, we create a portfolio that evolves with you.
Leave more than a business—leave a legacy
Retirement is also about legacy. Whether it’s charitable giving, family support, or a business succession plan that works across generations, we help you shape what comes next. Our estate and legacy planning ensures your values endure—and your wealth makes a lasting impact.