Advanced life insurance strategies for incorporated professionals and business families with multi- generational wealth.
We are an advisory firm that sees your whole financial picture: how your company, your income, your taxes, and everything you’re working toward all connect, and that builds a single plan where every part works together.
Nothing is off the shelf. We work right beside your current advisors to create one solution made entirely for you and your legacy.
Your plan starts from where you are and where you want to end up.
We work right beside your current advisors, as one team.
Keep more of what you earn, fund your retirement, reach the people you care about.
As your life and business change, your plan moves with you, year after year.
Seven planning strategies, built around your company, your income and your family.
Cover the capital gains tax that comes due at death, without forcing a sale of the business or the assets you meant to keep.
Put the surplus trapped in your corporation to work, and reach it more tax-efficiently.
Manage how passive income is generated to preserve the small business deduction from being eroded for high-income professionals with professional corporations.
Build a future source of efficient retirement income from corporate surplus, with the option to access it earlier if needed.
Move wealth concentrated in a single company into permanent life insurance, treated as a distinct asset with high risk-adjusted returns.
Fund a buyout or ownership transition and/or multiply your philanthropic goals with properly structured planning using permanent life insurance.
Structure a tax-efficient plan to fairly equalize family members not participating in the family business.
My professional journey began in Audit and Tax at Deloitte, where I earned my Chartered Accountant designation. From there I moved to a boutique tax firm, then spent 4.5 years in energy marketing and trading with Alberta’s leading power generator, earning my Chartered Financial Analyst designation along the way. Despite the corporate allure, I realized my true calling was client-facing: using my combined background in accounting, tax, and finance to serve as a trusted advisor to high-net-worth individuals.
That led me to join the founder of Canada’s largest life insurance advisory firm, serving high-earning professionals and ultra-high-net-worth families. Working in a roundtable fashion with clients and their advisors, we used advanced life insurance strategies to amplify their existing planning. By treating permanent life insurance as an asset class, clients unlocked new opportunities for diversification and wealth enhancement, particularly those with wealth concentrated in a single private company.
I built PrairieCoast Financial Inc. as an independent platform to bring that same thinking to my own clients, grounded in authentic relationships built on trust, integrity, and competency, and in guiding them through the complexities of long-term planning with their interests always first.
If you're weighing whether this fits your situation, the next step is a conversation.
(587) 585 1840
james@prairiecoastfinancial.com
Calgary, AB
Advanced life insurance and estate strategy for professionals and business families across Canada.
