Insurance Plans & Financial Strategies Designed for Business Owners

Keep Your Business Protected and on Target

The people you hire are the soul of your company, and their success and happiness is your success. Comprehensive insurance plans maintain the health of your business by protecting your hard work and your people. Disaster can strike at any time—businesses need to be prepared for the worst so they can defend what matters most.

Our Commonwealth helps you plan for a successful future for both you and your company.

WE CAN HELP YOU WITH

 

Protecting personal and family finances

If something happens to you, how would you pay for your personal expenses? As a business owner, you are the one who is most involved in your business. The success of your business often relies on your ability to work. Keeping yourself protected with the right insurance will protect your company, your personal finances, and the financial wellbeing of your family.

Protecting your business

Could your company survive if a key individual became critically injured or suffered a premature death?

 

There are many moving pieces when it comes to your business. Your company relies on all of the hardworking employees that have made it all possible. If something were to happen to you, one of your partners, or another key stakeholder—it can have a big impact on your business.

Building the perfect benefit plans for you and your employees

Ensuring the ongoing success of your business means having happy, loyal employees. Happy employees will promote your company for you. You want to retain great people that actually want to work for your company.
A tax-efficient retirement and estate

Building a tax-efficient retirement and estate

Current tax implications play an important role in determining how much of your profit you get to keep. After working hard to build and run your business, you’ll want a retirement plan that allows you to use your retained earnings for whatever you need. It’s important that you have a tax-efficient retirement plan that’s designed around your financial goals.

OUR PLANS

Life Insurance

Life insurance is an important financial tool when you have a business. This multipurpose tool helps you protect your business, key employees, and your family’s finances. Whether it’s for personal or business use, we can help you structure a life insurance policy that fits your needs.

Critical Illness Insurance

Critical illnesses are unpredictable. Don’t risk leaving your business and personal finances in ruin. A customized critical illness insurance policy can help you cover business, personal, and medical expenses—that way, operations will continue while you focus on recovering.

Disability Insurance

Does your financial success rely on your ability to work? You need disability insurance. You can also use it to protect the best people in your company (including yourself). We can help you structure a disability insurance plan that makes sense for your current business structure.

Buy/Sell Funding

Early financial planning can result in a lifetime of success for your business. One of the fundamental planning tools you have is a buy/sell agreement with you and your partners. If you have partners in your business, you want to make sure your business continues and stays in the right hands during a death, critical illness, or disability with a structured buy/sell agreement that ensures payouts are structured properly.

Corporate Asset Transfer

How are you protecting your corporate assets? You need a comprehensive corporate asset transfer strategy to ensure that you hold onto as much of your wealth as possible. We can help you build a plan that’s tax-efficient and fits your business’s goals.

Group Benefits

Your employees play an important role in the success of your business. Reward their hard work by providing them with reliable insurance that covers their medical expenses. We can help you compare and find the best plans that cater to the goals of your business.

Why Choose Our Common Wealth?

Understanding the different types of life insurance, health benefits, and other insurance plans is important. Our team leverages the latest technology to get you the best rates possible—while still taking the time to provide you a personalized experience.

Education & Insight

Making conscious financial decisions starts with understanding what options are available to you. We break down your options and opportunities in simple terms, so you can feel confident and understand your pathway to success.

No Pressure

There’s no pressure when you work with our team. We love what we do, and we want to work with you to help you make the right decision. Working with Our Commonwealth is a relaxed experience where the focus is on your needs.

Independent

Offering you the best solutions means being independent of any bank or insurance company. We can provide you with a variety of competitively-priced products from different providers. It also means we represent your interests, not a financial institutions.

Relationship Focused

Your financial situation is unique and complex. You need a financial advisor that takes the time to get to know you, your specific needs, and your financial goals. We focus on building long-lasting relationships with each of our clients.

I knew life insurance was important, I just didn’t feel the urge to get started until I met Lorenzo. I like how it not only gives me life insurance coverage, it helps me save a bunch of tax while investing for my retirement.

 

I’ve heard it from others before, but hearing it from Lorenzo helped me understand because he kept it in simple terms. I would’ve done it sooner if I would’ve known about it earlier! 

Phil Gurat


What I found that there was a lot more that I can do to optimize my finances. I liked the idea of having disability insurance because as a hairstylist, I rely a lot on my physical ability to make my income. Now I don’t worry as much because I know that I have a back up plan!

Having Lorenzo and Kevin working together on my finances makes it much easier for me to manage everything. It’s great to have professionals like these guys on your side. I can focus on my business knowing that things are taken care of

Aubrey Bonnah-Vink


I like dealing with Will and Lorenzo because I see that they really look out for the person as opposed to selling a product because it makes them a high commission. I’m personally happy with what we’ve done so I feel natural sharing with friends

James Durante, Director, Corporate Challenge Canada


These guys take the time to go through everything, they have an educational approach. They didn’t rush me or use any pushy sales tactics. This is really empowering when it comes to making the right financial decisions

Jonathon Porter, IT Consultant

“They were educational and informative. I felt empowered to make the right decision for myself because everything was explained well and at no point did I feel pushed or rushed. Lorenzo and Will are just great guys to deal with”

Kristopher Bertrand, Millwright

We’ve been wanting to get insured for a while now but we just haven’t gotten around to getting it done because of our busy schedules.. It was great that Will and Lorenzo we’re flexible and mobile and they came to our house, which made it so much easier for us especially with the kids.

 

I was also impressed with their knowledge and communication when it comes to products, and their service was great. I’ve already recommended these guys to my friends and will continue to do so in the future!

Michael & Michelle Villafuerte

We Are Partnered With

Financial planning can’t wait?