For incorporated Canadian business owners with $150K+ in retained earnings

Taxes can take more of your wealth than any market crash.

There's a decades-old structure that grows corporate wealth without being taxed every year. A free 30-minute assessment shows what it looks like on your numbers.

  • The $50,000 tripwire most owners hit without noticing
  • Why your accountant was never supposed to catch this
  • The decades-old structure, explained in plain words
Book My Free 30-Min Assessment → Download the Free Guide

30 minutes · No cost · No obligation · Straight answers either way

The Retained Earnings Trap — free strategy guide cover
8 Provinces
Licensed coast to coast: AB · BC · SK · MB · ON · NS · NB · NL
15+ Years
Engineering before advisory: systems, pressure, precision
700+
Clients served, all across Canada
$150K+
The retained-earnings line this system is built for

Find out if this fits

The Liquid Wealth Assessment

A free 30-minute call. We review your situation, show you what's possible, and answer your questions. No obligation, no fees.

We assess your situation

Your corporate structure, retained earnings, current strategy, and long-term goals.

We show you what's possible

Where the three pressures are costing you specifically, in your corporation, not in theory.

If it doesn't fit, we'll tell you

No hard sell. If these strategies don't apply to your situation, you'll hear that upfront.

This is an assessment, not a sales call. We're here to show you the math.

After you book: a confirmation lands in your inbox along with your copy of the guide, so the call starts from shared ground.

I thought we were doing okay. Ike showed us it's not just about doing the right things, it's about making sure they're structured to actually build long-term wealth.
— Patricia L., Pharmacist, Alberta
I've worked hard my whole life, but I wasn't sure my family would be okay if anything happened to me. Ike showed me it's not just about working hard, it's about building a structure that protects your family no matter what.
— Emmanuel B., Civil Engineer
I thought I was doing everything right — RRSP, TFSA, steady income — but my net worth didn't reflect the effort. Ike showed me it's not just about saving, it's about building a structure that actually grows and protects wealth.
— Thelma Ncube, IT Manager, Ontario

How it works · Part one

You did the work.

You took the risk, built the business, made it profitable. The retained earnings inside your corporation are the proof. Then three pressures start building, and almost nobody chose them.

0%+

The drag

Investment income inside your corporation is taxed at over 50% in most provinces. Your money grows against a permanent headwind.

$0K

The tripwire

Past $50,000 a year of passive income, the small business deduction starts grinding away. At $150,000 it's gone. Your investment success raises the tax on your business.

×0

The second tax

Taxed inside the corporation, then again on the way out to you. Unplanned estates are often hit hardest of all.

Almost nobody chose this. It's the default. And here's what rarely gets said out loud: the same Income Tax Act that creates these pressures contains the provisions that plan around much of them. Decades old, used routinely for incorporated families, and sitting, most of the time, completely unused.

How it works · Part two

The structure, at a glance.

A small family of planning structures written into the Income Tax Act decades ago. Not loopholes, not offshore. Used routinely by major Canadian advisory firms, and rarely shown to the owners they were built for.

Your corporation Corporate dollars in, on the route the chosen structure allows The designed structure Grows without the annual tax drag Protects the small business deduction along the way You and your family Retirement income, estate transfer, or both, depending on the design 1 · Fund 3 · Reach Access while you live Income or liquidity, designed in from the start

Your corporation

Corporate dollars in, on the route the chosen structure allows

↓ 1 · Fund

The designed structure

Grows without the annual tax drag · protects the small business deduction along the way

↓ 3 · Reach

You and your family

Retirement income, estate transfer, or both, depending on the design

↩ Access while you live: income or liquidity, designed in from the start.
1 · Fund

Corporate dollars in

Your corporation directs dollars into the structure. The route, and its tax treatment, depends on the design.

2 · Grow

No annual drag

Wealth compounds without the yearly tax bite, inside rules the Income Tax Act sets out.

3 · Reach

You and your family

Retirement income, estate transfer, or both. Statutory mechanics, not promises.

Which structure fits your corporation? There's more than one, and the right answer depends on your numbers, your goals, and your timeline. That's exactly what the assessment maps. Every implementation gets reviewed alongside your own CPA and legal advisors.

Liquid is the whole point. ~ Ike AFFAM

Is this you?

5 questions. 2 or more yeses and 30 minutes is worth it.

The fit test
0 of 5 answered yes

Does your corporation hold $150,000 or more in retained earnings?

Do you have corporate investments earning passive income taxed at 50%+?

Has your accountant said there's "nothing more we can do" about your tax picture?

Do you want meaningful wealth to reach your family without the estate taking the hardest hit?

Have you ever hesitated on a property or opportunity because getting money out of the corporation felt too expensive?

Tap each question that's true for you.

Book My Free Assessment →

Ready for a straight answer about your corporation?

30 minutes. Your numbers, not theory. And if your current structure is already right, that's exactly what you'll hear.

Book My Free 30-Min Assessment →

30 minutes · No cost · No obligation

Ike AFFAM

Who's behind this

Same engineer. Different pressure.

Fifteen-plus years in oil and gas, from Solids Control Engineer to Fluids Superintendent, keeping wells stable under pressure. In 2015 I immigrated to Canada, and for almost five years I flew between here and Lagos every four weeks to keep doing that job — until the flights left me one question: what kind of life do I want to build for my family over the next twenty to thirty years?

So I changed professions, but I never stopped being an engineer. My job used to be keeping fluid flowing at the right pressure so a well didn't fail. Now it's the same problem with a different substance: wealth trapped inside a corporation, building pressure, with no engineered way out. That's where The Liquid Wealth System comes from — I help incorporated business owners design the way their wealth flows out of the corporation and into their life, instead of sitting locked up inside it.

~ Ike AFFAM