Who is it for?

• Owners who want clear monthly reporting and fewer surprises

• Businesses preparing for growth, hiring, or financing

• Teams struggling with cash flow timing or limited visibility

• Entrepreneurs who want a real plan, not generic tips

Outcome

• Improved monthly visibility (revenue, margin, expenses, cash)

• Enhanced forecasting and planning discipline

• Decisions informed by KPI dashboards and targets

• Improved financing readiness and documentation quality

Typical deliverables

• Business Diagnostic & KPI Setup
  Review financials and operations; define KPIs; outline a dashboard.

• Cash Flow Forecasting & Budgeting
  13-week cash flow forecast (or monthly forecast), scenario planning, and budget.

• Profitability & Pricing Review
  Margin analysis, product/service mix, and pricing levers.

• Financing Readiness Package
  Lender-friendly reporting package, projections, and documentation checklist.

• Process & Controls Review
  Month-end close workflow, approvals, expense controls, and reporting cadence.

Who is it for?

• Incorporated owners deciding between salary and dividends

• Businesses experiencing rapid change (new markets, staff, pricing, expansion)

• Owners who want predictable installments and fewer surprises

• Clients facing CRA requests and seeking risk reduction and readiness

Outcome

• Clear annual plan with calendar-based checkpoints

• Improved documentation habits and audit readiness

• Smarter timing decisions (income, expenses, and capital purchases)

• Coordinated owner-manager planning (personal and corporate alignment)

Typical deliverables

• Tax Planning Roadmap (Annual)
  Planning checkpoints aligned with your reporting cycle.

• Owner-Manager Compensation Planning
  Salary/dividend strategy framework; remittance/instalment planning.

• Corporate Structure Checkpoints
  Clean alignment of bookkeeping, filings, and tax-sensitive decisions.

• CRA Readiness & Response Support (within scope)
  Documentation checklists and response coordination (as appropriate).

• Cross-border / Specialized Matters (via trusted partners when required)
  When you need specialized legal tax advisory, we coordinate introductions.

Who is it for?

Individuals or business owners who need to transition into regulated financial planning (investments, insurance, mortgages) or specialized legal and tax advisory services.

RGB can connect you with trusted independent professionals through our Alliances Program—so you get the right expertise without sacrificing coordination.

What RGB does vs what partners do

RGB coordinates:

• Your financial picture (reports, tax posture, cash flow realities)

• The questions you should ask and the decisions to evaluate

• Document readiness and planning timelines

Partners may provide (depending on their licensing/scope):

• Retirement/wealth planning and investment guidance

• Insurance review and risk planning

• Mortgage planning and lending strategy

• Specialized legal and tax advisory, where required

Typical deliverables

• Retirement scenarios based on your inputs (age, savings rate, lifestyle goals)
• A contribution strategy aligned with your situation (e.g., RRSP/TFSA planning)
• Account structure guidance aligned with your tax picture (registered vs non-registered)
• Coordination so financial decisions stay consistent with your tax and business strategy
• A coverage review that identifies gaps, overlaps, and unnecessary costs
• A protection plan aligned with family needs and income risk (where applicable)
• A structured debt strategy (paydown sequencing, refinancing considerations)
• A household cash-flow plan with practical guardrails and targets
• A mortgage/home-buying readiness plan (documentation + affordability framework)
• Scenario comparisons for major decisions (buy vs rent, timing, budgeting)
• A coordinated approach to personal planning that reflects your corporate cash flow
• A framework to support owner-manager decisions (integrated with your accounting/tax posture)