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Tax Focused Financial Planning

M3 Financial offers a full range of financial planning for clients in business‚ not–for–profit and personal matters. We work extensively with owners‚ managers and professionals to meet the combined needs of their businesses and personal estate plans. We can help develop integrated plans that accommodate corporate needs‚ succession planning‚ personal estate planning and creditor proofing through the use of trust structures and other arrangements.

Our tax focused financial practice consists of the following services

• cash flow and debt management
• risk management/insurance
• wealth accumulation
• wealth preservation and retirement income
• estate planning

Tax focused personal financial planning should involve a thorough personal tax & estate plan in partnership with a tax accountant as well as a properly executed will‚ personal directive and power of attorney through legal counsel. We work to help determine both current and long–term goals. We also assist in developing a wealth management plan that will minimize taxation while maximizing the benefit of clients’ assets in their lifetime.

One of the goals of financial planning should be to ensure that no unnecessary complexity is added to our clients’ businesses or personal lives. We strive to keep the model as simple as possible. Where complexity is required‚ we ensure that clients fully understand and support any plan in the implementation and the on–going operation of the structure.

M3 Financial provides ongoing business expertise encompassing:

• corporate banking‚ fiance and treasury
• employee retention and benefits including health‚ disability‚ critical illness and group savings
• owner/shareholder/executive compensation arrangement plans
• advice to directors on risk management
• business continuation and sucession planning

For tax focused business planning‚ our services range from specific transactional needs such as the purchase of Key–Person insurance or setting up a Health Spending Account‚ to the complete and comprehensive analysis of the business model. Strategic planning is often required to minimize tax‚ to creditor proof a business and to provide a structure which will most effectively meet the needs of the business or an ongoing operational basis.

It is important to ensure that our clients’ business structures are well planned‚ implemented and maintained to ensure a successful relationship with their business partners and employees.