About Us
Independent advisors committed to protecting your assets and helping you build lasting wealth with trusted guidance.
Who we are
At Safe Pacific, we craft personalized financial plans for success-driven Canadians, empowering them to use life insurance as a strategic financial tool. By protecting their greatest assets and helping them achieve lasting financial security, we give our clients peace of mind. We always act in their best interest—because their success is our mission, and their trust is why we love what we do.
The Safe Pacific Team
Safe Pacific’s dedicated, independent team of experts puts clients first, offering trusted, personalized financial guidance.
Check out our latest insights
Thoughts and insights, updated weekly.
The Decisions Your Future Self Will Thank You For
Most financial plans assume that life stays ordinary and orderly. Your income continues, the markets recover on schedule, your health holds up. But future you...
Liquidity: The Missing Piece that breaks most Financial Plans
Most financial plans look great on paper. Strong net worth, solid investments, a growing business. But here's an uncomfortable truth: a lot of plans don't...
Why Your Finances Feel Disorganized (Even When You're Doing Well)
Here's something we've been hearing a lot in client meetings recently, almost word for word: "I know I should have a better handle on all...
The Estate Tax Bill Most Business Owners Never See Coming
What actually arrives in the estate from a corporate investment portfolio versus a corporately owned life insurance policy. Every projection a business owner sees starts...
Use the Capital Dividend Account to Distribute Tax-Free Wealth
Eventually, every Canadian business owner asks the same question. How do I get this money out of my corporation without getting crushed by taxes? There...
Stop Under-Saving: How to Max Out Your FHSA
Everyone is talking about how expensive Canadian real estate has become. Almost no one is talking about how badly the average Canadian is underusing their...
The Estate Bond Strategy
How High-Income Canadians Pass Their Wealth On, Tax-Free Most Canadians assume the biggest threat to their wealth is the market. A bad year, a downturn,...
What Happens When You're Done Building?
There's a shift that happens in the lives of most business owners that almost nobody talks about. After years (sometimes decades) of focusing on growth,...
How to Borrow from Yourself Safely Using Life Insurance
High-income Canadians know the value of liquidity—but too often, accessing capital means triggering taxes, taking on debt, or selling investments at the wrong time. What...
Are You Ready for the Strategy You Want?
We've noticed a pattern in client meetings over the past few weeks that we want to talk about openly. Business owners are coming in excited...
RRSP vs. TFSA: Which Is Better for High Income Canadians
If you're a high-income Canadian, here's the truth: using RRSPs and TFSAs the wrong way could mean paying far more to the CRA than you...
The Million Dollar Baby Plan: Grow a Legacy for your Children
What if the birthday gift you gave your child today could turn into a million-dollar asset tomorrow? That's the idea behind the Million Dollar Baby...
Let's Get Social
See more about life at Safe Pacific and watch our myriad videos on Instagram and Youtube.
If you`re an incorporated Canadian with retained earnings piling up inside your company, letting that cash sit idle might feel safe. It isn`t. It`s costing you money.
Surplus cash parked in a checking account or a GIC is quietly losing value to inflation, and it`s getting hit with passive investment tax rates as high as 50% depending on your province.
Worse, it can jeopardize your access to the small business deduction and drag down your corporation`s long-term earning potential.
Comment "MEETING" and book a free call.
Why are you working this hard in the first place? For most business owners, the answer is simple: to give something to their kids.
So it`s worth asking how much of it the tax man takes along the way. Most owners we talk to are frustrated by the tax they pay now, worried about retirement, and anxious about the transfer to the next generation.
The good news is the fixes aren`t aggressive or risky. They`re boring, compliant, and built to protect your wealth for the long-term.
Comment "MEETING" to book a free call.
Got a holding company? You might be sitting on one of the most powerful tax-sheltered tools in Canada.
Corporate-owned participating whole life insurance grows your wealth tax-sheltered inside the holdco. The cash value compounds through dividends, and you can borrow against it tax-efficiently whenever you need liquidity.
Then when you`re gone, most of the death benefit flows tax-free to your family through the capital dividend account. Grow it, access it, pass it on.
Comment "MEETING" and book a free call.
An estate freeze can save your family millions when you eventually hand off the business. Here`s the plain-English version.
Your company grew from zero to $1 million. You freeze the value today. The tax on that first million is yours to handle. Everything above it from now on belongs to your kids, not you.
Combine it with a family trust and you can multiply your capital gains exemption across the whole family. That`s a serious amount of tax saved.
Comment "MEETING" to book a free call.
Salary or dividends? It`s one of the first questions every business owner asks, and the old default advice doesn`t work anymore.
For years the answer was simple: pay yourself dividends and save on tax. But with tax integration in Canada, there`s no longer a meaningful tax advantage either way.
So the real decision comes down to other things. Dividends don`t count as income for a mortgage. They don`t build RRSP room. Salary does both.
Comment "MEETING" and book a free call.
Tax planning is one of the most overlooked areas where Canadian business owners quietly lose thousands, sometimes millions, over a lifetime.
Most incorporated owners focus on their annual filing and completely miss the long-term strategic opportunities sitting right in front of them.
That`s the difference between basic compliance and real planning. We work alongside your lawyer, accountant, and banker to build compliant strategies that keep more of your money working for you.
Comment "MEETING" to book a free call.
Your corporation can fund your retirement, and most business owners have no idea how.
It`s called a Retirement Compensation Arrangement, and it gives incorporated professionals a flexible, corporate-funded retirement strategy that traditional plans can`t match.
Whether you`re sitting on retained earnings or just getting started, the foundation you lay now decides how much wealth you build and protect down the road.
Comment "MEETING" to book a free call.
Here`s one that doesn`t get talked about enough, and it could save you over a million dollars.
If you own shares in a qualified small business corporation, you could claim up to $1.25 million in lifetime capital gains exemption when you sell. That means $1.25 million of the sale could be completely tax-free.
But it only works if your corporation is structured the right way ahead of time. Most owners find out too late.
Comment "MEETING" to book a free call.
What if one decision you made early on was quietly costing your business and family millions?
How you structure your business isn`t just paperwork. It`s the foundation of your tax efficiency, your wealth, and your legacy.
Done properly, incorporation opens the door to planning strategies sole proprietors and partnerships simply can`t touch, including maximizing your small business deduction.
Comment "MEETING" to book a free call.
Today, Safe Pacific had a team day and got to enjoy a Nooner at the Nat, the whole day was a home run!
Thank you @advocisvancouver for supplying the tickets!
Got cash piling up inside your corporation? You might think you`re doing the right thing. You`re probably not.
Without a proper plan, those retained earnings are quietly shrinking, eaten away by inflation and tax year after year.
The good news is there`s a smarter, more strategic way to put that money to work. Laurent breaks down how incorporated Canadians protect their capital, reduce tax, and build long-term wealth.
Book a free call: safepacific.com/discovery-schedule
This strategy is getting trendy right now, and that`s exactly the problem. A lot of advisors are jumping in to make a quick buck without understanding the work involved.
There`s a ton of servicing on the backend, making sure premiums get paid, your accountant has what they need for both personal and corporate taxes, and the bank loans stay properly structured year after year.
We do this all day, every day. We`re currently fixing a few that another advisor got badly wrong.
Comment "MEETING" to book a free call.
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