As an Incorporated professional or business owner....
Complexity & Consequences
As an incorporated professional or small business owner, your financial world is uniquely complex. You've assembled a team of professionals—accountants, lawyers, investment, and insurance advisors—all providing valuable, actionable advice.
Retirement, Exit or Succession?
Planning a successful Retirement, Exit, or Succession strategy is often stressful. The benefits of getting it right are significant: minimizing risk, saving substantial taxes, improving retirement security, and preserving family wealth, harmony and peace of mind.
The Problem with Siloed Advice
Too often, advice received from different disciplines is siloed or, worse, conflicting. You may question how one advisor’s recommendations integrate with another’s. You may also wonder if the advice is truly objective and unbiased, or if it could be more comprehensive and proactive.
The Missing Piece: Objective, Integrated Advice
The missing piece is an advisor who provides objective, unbiased, written advice—an advisor who works only for you.
We provide a clear understanding of your unique perspective, goals, and timelines. We help you:
- Compare alternatives and offer alternative strategies.
- Test and integrate how individual pieces of advice fit into your overall Exit, Retirement, or Succession strategy prior to costly implementation.
The result is a strategy you clearly understand, which achieves your financial goals, and saves money, time, and significant taxes.
special message to farm families...
Today’s successful farm is a multi-million dollar business facing unique personal and tax challenges when considering succession or exiting. We bring a completely different, farm-focused approach to the complicated process of transferring management, control, and ownership, helping farm families achieve a successful, stress-free transition into retirement.
special message to planning professionals
Clarity and Co-ordination
My function is to serve as a Professional Intermediary, acting as a bridge between the client, their family, and their existing professional advisors.
My role is to co-ordinate, interpret, and support the diverse advisory streams clients typically receive from their accounting, legal, insurance, and investment professionals. I offer an objective and unbiased perspective, ensuring advice is integrated and consistent with the client's overarching goals.
I also assist families by facilitating challenging financial and business conversations and aiding in complex estate planning decisions.
When appropriate, I offer additional or alternative recommendations, supported by a unique reporting platform, which clients are always encouraged to review with their existing advisors.
Important Boundary: I do not sell investment or insurance products, nor do I implement accounting strategies, legal processes, or business re-structuring recommendations.
What makes me different?
Raymond Riel CEC
I grew up on a family farm and bring over 30 years of experience providing advanced financial and strategic guidance. This foundation is built upon years of rigorous professional training in complex tax, estate, and wealth transfer strategies. I previously advised executive teams, incorporated professionals, business owners, and farmers.
I consciously transitioned my practice to be Advice-Only, free from product sales and commission structures, and now operate as a semi-retired consultant. This status allows me the freedom to embrace a semi-retired lifestyle, spending more time to enjoy life-long passions for long-distance motorcycling and classical guitar.
This shift ensures my perspective remains 100% objective and unbiased, eliminating the conflicts of interest prevalent in traditional financial practices. My commitment is solely to your best outcome, and I choose my client engagements.
Over time, I've built a unique, advice-only, holistic planning process that integrates the technical challenges of transition planning with personal goals and complex family dynamics.
I provide objective, unbiased advice and work only for you and your interests on a fee-for-service basis. I do not sell investment or insurance products or accounting services. My goal is to build a transition plan that is transparent and easy to understand, yet robust enough to bear the full technical scrutiny of your accounting, insurance, and investment professionals.
