On the Quiet Architecture of a Holding Company,
and the Wealth It Permits.
An editorial planning instrument for owner-operators and incorporated professionals. Three short chapters and a working set of calculators — set on warm bone paper, in a single ink colour, written for the reader who would rather think than be sold to.
What follows in four parts.
- I.
On the Holdco
Why the parent corporation is the quiet workhorse of family wealth — protection, deferral, and the smooth income line.
Continuep. 07Chapter - II.
On Corporate Life Insurance
Why the policy belongs in the Holdco, and how the Capital Dividend Account passes proceeds tax-free.
Continuep. 14Chapter - III.
On the Professional
How a Professional Corporation pairs with a Holdco — and where the regulator draws the line.
Continuep. 21Chapter - IV.
The Planner
An interactive worktable: a structure recommender, a deferral calculator, and an insurance/investment comparator.
Continuep. 28Instrument
Two still lifes from the private study.
The instruments here — fountain pen, ledger, stethoscope, scale — are not decoration. They are reminders that this is, finally, an exercise in stewardship: of a practice, of a business, and of the next generation.
Take the memorandum to the worktable — model your own structure.
The planner is built in three movements: a short structure recommender, a corporate tax-deferral calculator that compares personal to corporate after-tax growth, and an insurance versus passive-investment comparator.
Open the plannerIV.