Your client. Your advice. One plan that works with both.
You know your clients' numbers and their legal structure closely. We work alongside you to build the forward-looking financial plan around your advice: investments, insurance and retirement, with you in the room, with your client's consent, before anything is put in place.
Darroll Powe, CFP®
Darroll leads comprehensive planning at Creighton Financial Group and is the first call for the professionals we work with. He builds the plan, brings it to you to pressure-test, and keeps you informed, with the client's consent, as it's put in place.
Book an introduction →Planning held to a professional standard.
The CFP® certification is a nationally recognised financial planning certification, granted in Canada through FP Canada. It speaks the same language of standards and accountability you work with every day.
Required coursework across tax, retirement, estate, insurance and investment planning.
A national certification exam that tests integrated planning, not one product line.
Required years of qualifying financial planning work experience before certification.
Ongoing professional standards and continuing education to keep the designation.
With your client's consent, you see the plan before anything is signed.
You introduce
A quick call or email about a client you share. With the client's consent, you send what you'd like us to know.
We map the whole picture
Accounts, corporate structure, insurance, benefits and goals, measured before anything is recommended.
You pressure-test it
With the client's consent, the plan comes to you and the lawyer before implementation. Your questions change it; that's the point.
We keep you in the loop
An annual review, shared with you if the client agrees, so the plan stays in step with your work.
Everyone stays in their own lane.
The accountant
- Tax returns and filings
- Corporate accounting and year-end
- Tax opinions and elections
The lawyer
- Wills, trusts and powers of attorney
- Shareholder and buy-sell agreements
- Corporate reorganisations
Creighton Financial Group
- The forward-looking financial plan
- Investments through Worldsource Wealth Management Inc.
- Insurance to fund the plan: buy-sell, key person, estate
- Coordinating the pieces, year after year
The clients you might introduce.
The situations where a forward plan adds to the work you're already doing.
Registered room used, money building inside the corporation
Investable assets accumulating in an opco or holdco, with passive income starting to matter for the small business deduction.
A cottage, a holdco or property the family wants to keep
Where the tax at death needs a funding plan, alongside the will and the corporate structure.
A buy-sell agreement that isn't funded yet
The agreement is drafted; the money to carry it out on short notice is the missing piece.
The switch from salary and dividends to retirement income
The order of withdrawals across the corporation, RRSPs, TFSAs, CPP and OAS.
Incorporated professionals building their own retirement
No pension, a busy practice, and a plan that hasn't caught up with the income.
Small businesses with 5 to 100 staff
A benefits plan, spending accounts or a group retirement plan the owner wants off their plate.
Technical notes and lunch-and-learns.
Written for a numbers audience: the structure, the mechanics and the trade-offs, so you can see which clients they apply to.
Passive income and the small business deduction
When retained investment income starts to grind the SBD, and the planning options around it.
The capital dividend account, from both sources
How realised gains and life insurance proceeds each add to the CDA, and how they fit together.
A session for your firm
A working session for your team on a planning topic we agree on.
Request a session →No referral fees, either way
We don't pay or receive referral fees. An introduction is about the client.
Your relationship stays intact
Tax and legal work stay with you and the client's lawyer. We don't move it anywhere else.
You hear back
Every introduction gets a reply within one business day, and you'll know where things stand.
Questions professionals ask us
Do you pay or receive referral fees?
No. We don't pay or receive referral fees with accountants, lawyers or anyone else.
Will you prepare tax returns or legal documents?
No. Tax filings stay with you, and wills, agreements and corporate documents stay with the lawyer. We build and coordinate the financial plan around your advice.
Will I see the plan before it's put in place?
Yes, with the client's consent. When the client agrees, we review the plan with their accountant and lawyer before anything is implemented.
How is the client's information shared?
Only with the client's consent, and only what's needed for the plan. Please don't send client details through the form below; Darroll will set up a secure way to share them.
Where do you work?
Our office is in London, Ontario, and we work with clients and professionals across Southwestern Ontario, in person or online.
Thirty minutes with Darroll.
An introduction, a client you'd like to discuss in general terms, or a lunch-and-learn for your firm. You'll hear back within one business day.
Please don't include client names or details here. We use your details to reply to you and, if you tick the box above, to send technical notes. See our Privacy policy.