Business & Corporate Planning

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This page is most relevant if you’re incorporated or planning to incorporate.

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Aligning Protection With the Business You’re Building.

As your business grows, your financial decisions become more interconnected.

Incorporation often marks a shift—not just in how income is earned, but in how planning should be approached. Business and personal finances begin to overlap, and protection strategies need to reflect that broader picture.

At Big Picture Financial, business and corporate planning focuses on alignment—between your business, your family, and your long-term goals.

For incorporated business owners, insurance decisions are no longer only personal.

They may involve:

• A corporation as a separate legal entity
• Business cash flow distinct from personal income
• Long-term growth and sustainability considerations
• Responsibility to both family and business

Insurance that was set up before incorporation may still be appropriate—or it may need to be reviewed in light of the new structure.

The goal isn’t complexity.

It’s clarity.

Insurance can play different roles depending on how it’s structured and owned.

For incorporated business owners, planning may include discussion around:

• Personal vs. corporate ownership of insurance
• How coverage aligns with family protection goals
• Business continuity considerations
• Long-term planning and flexibility
• Coordination with other professional advice

These decisions are never one-size-fits-all. They depend on your business, your family, and what you’re working toward.

For some incorporated business owners, insurance may be held within the corporation when it aligns with broader planning goals.

This is not a default strategy—and it’s not right for everyone.

When considered, it’s done thoughtfully, with attention to:

• Business structure
• Long-term objectives
• Personal and family considerations
• Coordination with accountants and legal advisors

The focus is always on whether a strategy supports the big picture, not on using a specific tool.

Business and corporate planning at Big Picture Financial is especially relevant for women who:

• Are incorporated or planning to incorporate
• Own growing businesses
• Carry responsibility for both family and company
• Want clarity around how insurance fits into business decisions
• Prefer thoughtful, collaborative planning

If your business is an important part of your life and future, your protection planning should reflect that.

Business and corporate planning works best when it’s not done in isolation.

When appropriate, conversations may be coordinated alongside:

• Accountants
• Legal advisors
• Financial planners

This ensures insurance decisions support—not conflict with—other aspects of your planning.

Our role is to help you understand options, ask the right questions, and ensure alignment.

Businesses change.

So do priorities, responsibilities, and long-term goals.

Business and corporate planning is not a one-time decision. Periodic review helps ensure your protection strategies continue to reflect:

• Business growth
• Changes in income
• Shifts in personal or family priorities

This approach supports sustainability—not just today, but over time.

As your business grows, does your current insurance structure still align with how your business fits into your life and long-term plans?

If you’re unsure, that’s often the right moment for a thoughtful conversation.

If you’re an incorporated business owner—or planning to become one—and would like clarity around how insurance fits into your business and personal planning, you’re welcome to book a confidential planning conversation.

This is not a sales call.

It’s an opportunity for clarity and alignment.

This is a conversation, not a commitment.