Risk Management Advisory
Protect what you've built and use it to build more.
For a business owner, risk doesn't live in one place. It sits across corporate structure, personal wealth, and estate simultaneously, and a decision in any one of those areas carries consequences in the others.
At Consortium, the insurance strategy, the tax position, and the estate plan are built by the same team, with a connected view of the client's full position throughout.
“Risk decisions are wealth decisions.”
What we handle.
Risk strategy across personal, corporate, and estate exposure, with insurance deployed where it creates the most advantage.
Internal CPAs work directly with the client's accountant on every strategic initiative; the white-glove standard Consortium clients have come to expect.
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Identifying exposure across life, disability, and critical illness with the full estate and tax picture in view.
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Protecting the business against the loss of the people whose absence would alter its value or continuity.
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Combining proprietary and traditional design, including IFAs and split-dollar insurance.
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Permanent coverage used to move capital across generations, redirect retained earnings, and compound cash value outside the usual tax drag.
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Coverage decisions that reinforce the estate strategy and avoid unintended consequences within it.
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Consortium leads the strategy and integrates with your existing advisory team to ensure nothing falls between disciplines.
How we differentiate.
We start with structure.
With legal, tax, and wealth management expertise under one roof, every engagement begins with a no-charge analysis of the corporate structure; surfacing inefficiencies and identifying where it can be put to better use. The insurance strategy, the tax position, and the estate plan are coordinated from there.
We work at the document level.
Every insurance strategy is built in direct coordination with the client's existing accountant; recommended journal entries on T2s, calculated inputs on T1s, and the supporting documentation prepared on our side. That level of preparation is standard here.
We work with your advisors, not around them.
Every engagement is built to reduce aggregate risk in coordination with the accountants and financial advisors already in place. Our role is to add to that team, not to replace it.
See what your risk position is actually worth.
Every engagement starts with a complete read on the business, the owner, and the family.
From there, Consortium builds a risk strategy with an overriding focus on efficiency that protects what has been built and puts it to work as part of the ongoing management of a family's financial picture.