Private Wealth Advisory for Ontario’s Business Owners, Physicians, and Accomplished Families
Senatus Wealth serves high net worth individuals and families across Ontario whose wealth has outgrown conventional financial advice. Our clients engage us because their financial lives require coordinated architecture — not products, not generic recommendations, not a single advisor working in isolation, but rather a team working in unison.
We typically advise clients with a minimum net worth of $25 million across personal and corporate holdings.
High Net Worth, Multigenerational & Enterprising Families in Ontario
Families with substantial balance sheets spanning operating companies, investment capital, trusts, real estate, and insurance structures across generations. We deliver integrated architecture — not isolated recommendations — to preserve purchasing power, reduce tax erosion, and transition capital with precision across Ontario and cross-border.
Our work helps these families:
Preserve purchasing power across generations
Reduce estate and tax leakage
Maintain privacy, governance, and control
Transition capital with poise and optionality
Simplify complexity across structures and advisors
Align wealth with family values and long-term objectives
Build decision-making frameworks that support continuity
Reduce erosion caused by fragmentation and poor coordination
Outcome: Generational wealth preservation. Reduced estate and tax leakage. One coordinated strategy replacing fragmented advice.
Founders, Entrepreneurs & Business Owners
We advise Ontario’s most successful founders, entrepreneurs, and multi-corporation business owners before, during, and after liquidity events. Our work converts enterprise success into durable personal and family wealth through corporate structuring, surplus extraction, holding company design, tax-efficient reinvestment, and succession planning.
Our work often includes:
Corporate structuring and surplus extraction
Tax-efficient reinvestment strategies
Holding company and trust design
Exit, succession, and continuity planning
Avoiding the common mistake of selling a business before designing the outcome is a central tenet of our work.
Physicians, Surgeons & Medical Professionals in Ontario
We advise successful medical professionals in Ontario whose wealth often accumulates quickly but becomes structurally complex over time — particularly where corporations, retained earnings, insurance, tax exposure, family planning, and estate considerations begin to intersect.
Our work often includes:
Professional corporation planning
Corporate and personal investment coordination
Insurance and risk management design
Tax-aware estate and succession planning
Outcome: Professional corporation optimization. Coordinated personal and corporate investment strategy. A clear path from high income to enduring, tax-efficient wealth.
Executives & Senior Professionals
For senior executives and professionals with equity exposure, concentrated compensation, deferred plans, or cross-border issues, we provide planning that extends well beyond traditional investment management. We help busy executives and professionals apply the same level of care to their own balance sheet that they bring to the people who depend on them.
This often includes:
After-tax investment strategy
Insurance-based planning
Deferred compensation and equity coordination
Cross-jurisdiction planning considerations
Outcome: After-tax investment strategy. Insurance-based planning. Structural resilience across jurisdictions.
Professional Advisors, Including CPAs & Lawyers
Our advice supports accomplished practitioners whose own financial affairs have grown beyond conventional planning. Incorporated structures, retained earnings, partnership complexity, and multi-jurisdiction considerations demand the same rigor they bring to their clients.
Our work often includes:
Corporate and personal balance sheet coordination
Tax-aware investment and insurance planning
Retained earnings and surplus deployment analysis
Estate, succession, and continuity planning
For many professionals, the demands of their own discipline leave little time to properly manage their personal affairs. We help offload that complexity.
Outcome: Corporate and personal balance sheet coordination. Retained earnings deployment. Succession clarity.
Real Estate Portfolios, Developers & Private Investors
We advise clients across Ontario with meaningful exposure to private real estate, operating businesses, and concentrated assets where liquidity, leverage, tax, continuity, and family governance must be coordinated carefully.
We help owners, developers, and private investors convert complex holdings into durable, well-coordinated wealth with greater clarity, control, and continuity.
Our work includes but is not limited to::
Entity and ownership structuring
Liquidity and debt coordination
Tax-aware capital deployment
Succession and family continuity planning
Outcome: Entity and ownership structuring. Tax-aware capital deployment. Integration with the broader wealth architecture.
