Insights for Better Financial Decisions

Clear Thinking on Investments, Retirement, Insurance and Financial Planning.

Delta Creek Insights explores practical financial planning questions for individuals, families, business owners and incorporated professionals. Our goal is to help make complex decisions easier to understand and connect them to the broader financial plan

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Individual Pension Plans (IPPs) for Incorporated Professionals: When Does an IPP Make Sense?

For many successful incorporated professionals, retirement planning follows a familiar pattern. Earn income. Pay yourself from the corporation. Contribute to an RRSP. Invest retained corporate earnings. Repeat. It can work very well. But as income rises, careers mature and substantial assets accumulate inside both personal and corporate accounts, another question can become worth asking: Is an RRSP still the best retirement structure available to me — or has my financial situation outgrown the basic approach?

Health Spending Accounts for Incorporated Professionals: A Smarter Way to Pay Medical Expenses?

Some of the best financial planning isn’t about making more money. Sometimes, it’s about becoming more efficient with money you’re already going to spend. A Health Spending Account (HSA) is a good example. I use an HSA within my own incorporated business, and it’s also a strategy I discuss with incorporated clients when it fits their circumstances.

Life Insurance for High-Net-Worth Business Owners: Four Planning Uses

For high-net-worth business owners and incorporated professionals, life insurance can eventually become much more than a way to replace income or protect a young family. As wealth grows, the planning questions change. A business owner may have accumulated significant corporate investments, real estate, private-company shares or other valuable assets.

Immediate Financing Arrangements (IFAs): What Should Incorporated Professionals Know?

For incorporated professionals who have accumulated meaningful wealth inside a corporation, permanent life insurance can eventually become part of a much broader planning conversation. The corporation may have excess cash, long-term investment assets, estate-planning objectives and a need for permanent insurance — but committing substantial capital to an insurance policy can create an obvious concern:

Shared-Ownership Critical Illness Insurance: How Does It Work?

For incorporated professionals, critical illness insurance can protect more than personal income.A serious illness may disrupt the corporation itself — reducing revenue, creating staffing challenges, increasing expenses or forcing the owner to step away from the business for an extended period.At the same time, some critical illness policies offer a return-of-premium, or ROP, feature if no qualifying claim occurs and the contractual conditions are met.

Corporate-Owned Critical Illness Insurance: What Should Incorporated Professionals Know?

For an incorporated professional, a serious illness can create more than a personal health challenge. If the owner, physician, dentist, consultant or other key professional is unable to work for a period of time, the corporation may still face payroll, lease payments, debt obligations, professional overhead, replacement costs and other expenses — even while revenue is disrupted.

Corporate-Owned Life Insurance: What Should Incorporated Professionals Know?

As an incorporated professional builds wealth inside a corporation, life insurance can gradually become more than a basic family-protection conversation. A corporation may have business obligations, retained earnings, investment assets, tax considerations and future estate or succession needs.

Passive Investment Income and the Small Business Tax Deduction

For many incorporated professionals, building a meaningful corporate investment portfolio is a sign that the business has reached a new stage. The corporation is generating more cash than is required for operations, and some of that capital can begin working toward longer-term goals.

What Should You Do With Retained Earnings ?

As a professional corporation becomes more established, there may come a point when the business is generating more capital than is required for current expenses, taxes and near-term operating needs. That can create a good problem to have — and a new set of financial planning decisions.

RRSP vs. Corporate Investing: What Should Incorporated Professionals Consider?

Incorporated professionals may have the choice of investing personally through an RRSP, retaining funds inside a corporation for investment, or using both. The right approach depends on tax circumstances, liquidity needs, time horizon and long-term goals.

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Browse articles on financial planning, investments, retirement and insurance — with practical ideas designed to help you make more connected financial decisions.

Financial Planning

Coordinating personal and corporate decisions around cash flow, tax considerations, investments, insurance and long-term goals.

Investments

Practical ideas on portfolio strategy, corporate investing, diversification, risk and building long-term wealth across multiple accounts.

Retirement

Planning the transition from accumulation to income using registered accounts, corporate assets and personal savings.

Insurance

Life, disability and critical illness planning designed to protect income, family, business interests and long-term financial goals.

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