Optimize My Financial Structure: 5 Powerful Strategies for Business Owners
- Niko Bruno
- May 6
- 1 min read

Why Your Financial Structure Matters
Cash Flow Efficiency
Streamlining how revenue flows through your business and into your personal finances can improve liquidity and reduce unnecessary taxes. Consider optimizing salary vs dividend mix, timing of distributions, and use of corporate investment accounts.
Legal and Tax Implications
Structuring your business correctly can protect personal assets and optimize income for tax purposes. For example, using a holding company shields investment assets from operating company liabilities. Government guide on business structures.
Key Optimization Tactics
Incorporation and Holding Companies
Incorporation can lower your tax rate and allow for tax deferral. A holding company protects accumulated earnings from operational risk. You can also interconnect companies to allow tax-free transfers under Section 85 rollovers. See our article on financial planning for incorporated professionals.
Income Splitting and Dividends
Legally paying dividends to family members in lower tax brackets reduces your overall tax burden. It’s essential to ensure that dividend sprinkling complies with TOSI (Tax on Split Income) rules.
Leveraging Insurance for Tax-Free Growth
Permanent life insurance strategies allow you to grow wealth within the policy, borrow against it, and pass assets tax-free. Corporate-owned life insurance can also provide a tax-advantaged cash value and estate planning tool. Explore our estate bond strategy.
When to Consult a Financial Planner or Advisor
A professional can audit your structure, suggest improvements, and integrate financial and legal strategies tailored to your long-term goals. Schedule a strategy session.
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