McClelland Wealth Management Ltd.

06/21/2026

06/21/2026

💼 Are Your Corporation’s Retained Earnings Working as Hard as You Are?

Many incorporated business owners focus on growing their company—but once profits have accumulated inside the corporation, an important question often arises:

What is the most appropriate way to manage retained earnings for the future?

Depending on your business objectives, time horizon, cash flow needs, and overall financial situation, there may be several strategies worth considering.

Two options often explored by incorporated business owners include:

📈 Corporate-Owned Non-Registered Investment Accounts

These accounts can provide an opportunity to invest corporate assets - putting those dollars to work while maintaining flexibility and liquidity. However, investment income earned within a corporation may be subject to different tax treatment than personal investments.

🛡️ Corporate-Owned Participating Whole Life Insurance

For some business owners, participating whole life insurance may offer a combination of permanent insurance protection and long-term cash value growth potential. It may also play a role in broader business succession, estate, and tax-planning discussions.

The most appropriate strategy depends on your specific circumstances and objectives. Understanding the advantages, limitations, risks, costs, and tax implications of each approach is an important part of the planning process.

If you’re an incorporated business owner and would like to explore how retained earnings fit into your overall financial plan, we’d be happy to have a conversation.

📞 Contact McClelland Wealth Management Ltd. to learn more.

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Important Information

This post is for general informational purposes only and is not intended as investment, tax, legal, accounting, or insurance advice. Individual circumstances vary. Investing involves risk, including possible loss of principal. Tax laws are subject to change and their application depends on individual circumstances. Corporate-owned life insurance and investment strategies may not be suitable for all individuals or corporations. Please consult with qualified tax, legal, accounting, insurance, and investment professionals before implementing any strategy.

06/20/2026

💡 Investing Isn’t About Timing the Market

One of the most common questions investors ask is:

“Should I wait for the market to settle down before investing?”

While it can be tempting to try to predict market highs and lows, history has shown that markets can move unexpectedly, and some of the strongest recovery days often occur during periods of uncertainty.

For many investors, maintaining a long-term perspective and following a disciplined investment strategy may be more effective than attempting to predict short-term market movements.

Key principles that can help investors stay focused include:

✅ Having clear financial goals

✅ Maintaining an appropriate level of diversification

✅ Investing consistently over time

✅ Reviewing your plan regularly

✅ Avoiding emotional investment decisions

Market volatility can be uncomfortable, but it is a normal part of investing. A well-constructed financial plan is designed to help navigate both positive and challenging market environments.

Have questions about your financial plan or investment strategy? We’d be happy to have a conversation.

📞 Contact McClelland Wealth Management Ltd. to learn more.

This post is for general educational purposes only and does not constitute investment advice, a recommendation, or an offer to buy or sell any security. Investing involves risks, including possible loss of principal. Past performance is not indicative of future results. Please consult a qualified financial professional regarding your individual circumstances.

11/07/2024

It’s an unfortunate fact that pessimism sells more headlines than optimism ever will. It’s as true in finance as it is in any other subject the media covers. But the reality is that most of the damage folks do to their portfolio growth over their lifetime is due to a knee-jerk reaction to a pessimistic (though always temporary) blip in the markets. The key to long term wealth is to have a plan, and to stick to it. Not just while the sun is shining, but through the rainy days as well. Don’t have a plan? I can help. Let’s chat!

06/10/2024

“Without commitment, you’ll never start. But more importantly - without consistency, you’ll never finish. Keep working, keep striving, never give up. Fall down 7 times, get up 8. Ease is a greater threat to progress than hardship - so keep moving, keep growing, keep learning. See you at work.”

- Denzel Washington

03/31/2024

Adapting to the evolving retirement landscape in Canada is crucial. Let me help you financially prepare for the retirement you’re dreaming of. Reach out now! https://ow.ly/HiVX50QP532

03/30/2024

When investing your money, it’s important to understand how much risk you’re willing and able to take. Let’s chat about how we can create an investment plan that works for you.

03/29/2024

It’s hard to think about, but if you’re married, one of you may die before the other. Are you ready? Taking steps now to determine what you’d need to do right away and in the longer term if your partner dies will be an enormous help in the future. Not sure where to start? I can help. Let’s chat.

03/28/2024

Tuition, textbooks, living expenses – let’s connect to review what you can use your child’s RESP for. https://ow.ly/37Bh30sAEpJ?

Learn about how to withdraw money from an RESP for a post-secondary student. Video transcript: Description: This animated video introduces an illustrated character Kim and her advisor to show how to withdraw money from an RESP for a child for post-secondary education. Ask an advisor” appears. The ...