Consultant Saves with Real Estate Portfolio

How One Business Owner Secured $50K in Tax-Free Income After a Health Crisis

Retirement Planning
July 03, 2025•1 min read
Custom HTML/CSS/JAVASCRIPT

Overview

Background:

Our client, a successful business owner in his late fifties, faced a severe health scare that became a wake-up call. With no financial plan for unexpected events, his business, retirement, and family legacy were left exposed.

Goals:

  • Establish a robust emergency fund without compromising cash flow.

  • Develop a tax-efficient retirement income stream.

  • Secure a lasting financial legacy for his family.

Step 01: The Challenge

Financial Exposure and Inefficiency

The client's unexpected illness highlighted critical vulnerabilities:

  • Excessive cash reserves held inefficiently in his operating company.

  • Lack of a clear, tax-efficient retirement funding strategy.

  • No established plan to protect and transfer wealth to his family.

Step 02: Our Solution

The Triple Play Strategy

We implemented a comprehensive financial structure:

  • Secured insurance coverage at standard rates despite recent health issues.

  • Established a holding company and family trust for optimal tax efficiency.

  • Directed excess corporate cash into a corporate-owned permanent life insurance policy.

This approach simultaneously addressed liquidity, retirement, and legacy planning goals.

Step 03: Results Achieved

Financial Stability and Legacy Security

Within two years, the client achieved:

  • Over $60,000 in tax-sheltered cash value accessible for business financing.

  • A projected $40,000–$50,000 annual tax-free retirement income for him and his wife.

  • A guaranteed financial legacy for his children, fully protected from future uncertainties.

Today, our client has transformed vulnerability into lasting security, ensuring business stability, retirement comfort, and generational wealth.

Take Action

If you're a business owner concerned about financial vulnerability, Dundas Wealth can help. Let us show you how to protect your business, secure your retirement, and establish a tax-efficient legacy for your loved ones.

Contact Dundas Wealth today to schedule your complimentary consultation and learn how we can help secure your financial future.

Back to Blog