Financial-Efficient Insurance & Wealth Transfer Solutions for Business Owners

Leverage Corporate Structures × Insurance × Tax Strategies to Achieve Wealth Growth, Risk Protection & Generational Transfer

Financial-Efficient Insurance & Wealth Transfer Solutions for Business Owners

Leverage Corporate Structures × Insurance × Tax Strategies to Achieve Wealth Growth, Risk Protection & Generational Transfer

Financial-Efficient Insurance & Wealth Transfer Solutions for Business Owners

Leverage Corporate Structures × Insurance × Tax Strategies to Achieve Wealth Growth, Risk Protection & Generational Transfer

10+ Years in Accounting & Tax

Deep expertise in corporate taxation, shareholder dividends, holding company structures, and surplus management.

Insurance × Tax Integration Expert

Combining life insurance, policy loans, retirement planning, and wealth transfer into actionable strategies.

Cross-Professional Collaboration

Working with lawyers, accountants, and financial advisors to ensure compliant, stable, and long-term effective solutions.

Celine Lin Professional Photo

Professional Background · Securing Your Business & Family Wealth

With an MBA background and over 10 years of corporate accounting and tax planning experience, I specialize in small and medium business structures, corporate surplus management, shareholder dividend strategies, and holding company design.

I excel at integrating life insurance, corporate taxation, policy loans, retirement planning, and wealth transfer to create comprehensive, executable strategies for business owners.

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Our Services

Corporate Insurance Planning

Corporate Insurance Planning

  • Corporate-Owned Life Insurance (COLI)
  • Participating Whole Life Insurance
  • Immediate Financing Arrangement (IFA)
  • CDA Tax-Free Wealth Transfer
Corporate Structure & Tax Strategy

Corporate Structure & Tax Strategy

  • Holdco / Opco Design
  • Salary vs Dividend Strategy
  • Corporate Surplus Reinvestment
  • IPP Retirement Planning
Wealth Transfer & Estate Planning

Wealth Transfer & Estate Planning

  • Family Trust + Insurance
  • Estate Freeze Strategies
  • Asset & Equity Transfer Design
Personal & Family Protection

Personal & Family Protection

  • Critical Illness Insurance
  • Term Life Insurance
  • Children's Protection & Education Fund
  • Health & Accident Coverage

Case Studies

Tax-Free Wealth Transfer with Corporate Structure
Real Estate

Tax-Free Wealth Transfer with Corporate Structure

Client: 45-year-old real estate agent, $450-500K annual net profit

Solution: Holdco + Participating Insurance + CDA

Results:

  • Saved tens of thousands in taxes
  • Tax-free death benefit to family
  • Clearer succession structure
Business Owner Retirement Planning (IFA Model)
Retirement

Business Owner Retirement Planning (IFA Model)

Client: 50-year-old single business owner

Solution: Participating Insurance + IFA

Results:

  • Stable retirement cash flow
  • Avoided high personal taxes
  • Continuous policy value growth
Multi-Generation Wealth Transfer Strategy
Estate Planning

Multi-Generation Wealth Transfer Strategy

Client: 55-year-old manufacturing business owner

Solution: Corporate Estate Freeze + Insurance Trust

Results:

  • Protected business assets for next generation
  • Minimized estate tax burden
  • Ensured family business continuity

Free Resources

Business Owner Insurance & Tax Whitepaper
Corporate vs Personal Insurance Comparison
Real Estate Investor Tax & Insurance Strategy Guide
IFA (Immediate Financing Arrangement) Structure Guide

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