Helping Business Owners and Their Families Turn Success Into Lasting Wealth and Retirement Confidence

A DIFFERENT APPROACH TO WEALTH MANAGEMENT

Most advisors sell products. I build strategies.

Investment strategies rooted in decades of academic research. No proprietary products. Lower fees mean more of your money stays invested. Your finances aren’t simple, and they shouldn’t be treated that way. I specialize in corporate and personal financial planning, insurance, investment, tax and estate strategies unique to incorporated Canadians and their families. I work with Canadian professionals and business owners and their families, providing evidence-based portfolios and comprehensive financial planning built around the complexity of your business and financial life.

Through Raymond James, you get access to comprehensive resources spanning financial planning, insurance, estate and tax advisory, and cross-border tax planning. No bank ownership. No pressure to buy what’s on the shelf. My team’s obligation is directly to you.

Based in Toronto. Serving clients across Canada. No proprietary products. No stock-picking. Just independent, research-driven advice.

Total Wealth Solutions wheel 

Comprehensive Planning One Team

Wealth management is about more than just your portfolio. I coordinate every part of your financial life so nothing falls through the cracks.

Harry Sale
Harry Sale, CIM, QAFP
Financial Advisor

Why Work With an Advisor? (Not Just an App)

Robo-advisors and self-directed platforms are great for simple portfolios. But if you’re incorporated, your finances are anything but simple.

A robo-advisor can invest your money in a diversified portfolio for a low fee. That’s valuable. For someone with a straightforward financial picture, it may be all they need. But if you’re an incorporated professional or business owner, your financial life involves questions a platform can’t answer: Should I take salary, dividends, or a combination this year? How much should I leave in my corporation vs. extract personally? Are my corporate retained earnings creating a passive income problem? How do I coordinate my tax strategy with my accountant? These are the questions that cost thousands of dollars a year when they go unanswered. They require a human advisor with a team who understands Canadian tax law, your corporate structure, and your personal goals. A robo-advisor won’t call you when you’re about to decide on a salary rate. It won’t notice that your corporate retained earnings are approaching the passive income threshold. It won’t sit on a call with your accountant to align your compensation strategy before year-end. That’s not a criticism of platforms. They serve a real purpose. We are at the next level.

Who I Work With

empty chairs in boardroom

BUSINESS OWNERS

You earn well, but corporate retained earnings, passive income thresholds, and uncoordinated tax strategy often mean your net worth doesn’t reflect your income. If your accountant handles filings but no one is coordinating your overall strategy (salary vs. dividends, practice valuation, insurance) there’s likely a meaningful opportunity being missed. I work with incorporated professionals across Canada to close that gap.

professional business woman

PROFESSIONALS

You’ve built something real. But most incorporated professionals have nearly all their wealth tied up in the business, with no coordinated plan for building personal wealth alongside it. Whether you’re focused on tax-efficient wealth extraction, your holding company investment strategy, or planning an exit on your terms, I help incorporated business owners build personal wealth in parallel with the business and plan for what comes next.

father and daughter on a beach

FAMILIES BUILDING WEALTH

Whether you’re navigating a career change, building long-term plans, or planning for retirement, the right time to get organized is now. Job transitions often come with pension decisions that have 60–90-day windows most people don’t know are time-sensitive. I provide comprehensive planning covering investments, tax strategy, insurance, and estate planning, and I aim to be the advisor you stay with for decades, not just the next quarter.

INSIGHTS & ARTICLES

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Common financial advice is optimized for the firm you’re with, not for you. That’s exactly what my practice intends to fix.
Harry Sale