OUR PHILOSOPHY
Design First. Solutions Second.
We believe wealth should be engineered, not accumulated by accident.
Most financial advice begins with products. We begin with design.
Before a single solution is recommended, we engineer the desired outcome — tax mitigation, estate flow, control, liquidity, governance, and long-term flexibility — and only then fit solutions to that design.
This distinction matters.
Buying solutions without architecture leads to:
Fragmentation
Unintended tax consequences
Redundant structures
False confidence
What We Do
Integrated Wealth Architecture
We operate at the intersection of strategy, structure, and execution.
Our role is to ensure that every financial decision fits within a coherent, durable plan.
Wealth Strategy & Governance
Long-term capital planning
Family balance sheet optimization
Investment governance frameworks
Decision-making discipline and oversight
Tax & Estate Architecture
Advanced estate planning coordination
Corporate and personal tax efficiency
Capital gains and estate liability modeling
Intergenerational wealth transfer planning
Insurance as Strategic Infrastructure
Purpose-built insurance structures
Corporate-owned and estate-driven planning
Liquidity creation for tax and succession events
Balance sheet protection, not product sales
Business Owner & Founder Planning
Exit and succession readiness
Shareholder and estate alignment
Post-liquidity event planning
Risk transfer and balance sheet durability
Cross-Border & Complex Structures
Multi-jurisdiction coordination
Canada–U.S. considerations
Alignment with external legal and tax counsel
A Disciplined, Intentional Process
We operate as a thinking partner, not a vendor.
Our engagements are structured, deliberate, and collaborative.
Discovery & Diagnosis
We develop a complete understanding of your financial ecosystem — personal, corporate, family, and future obligations.Design & Engineering
We model outcomes, stress-test assumptions, and design a strategic framework before any implementation occurs.Coordination
We work alongside your CPA, lawyer, and other specialists to ensure alignment — not overlap or conflict.Implementation Oversight
Solutions are executed only once they fit the architecture.Ongoing Governance
Wealth is dynamic. We continuously monitor, adjust, and refine as circumstances evolve.
How We Work
For Professional Advisors
A Safe Place to Refer Complex Clients
We work closely with CPAs, lawyers, and trustees who recognize when a client’s wealth has outgrown siloed advice.
We do not replace trusted advisors.
We enhance them.
Our role is to:
Clarify the financial architecture
Reduce downstream risk
Improve coordination
Protect advisor relationships
Professional trust is earned quietly and preserved deliberately.
Why Senatus
Clients engage us not because we are inexpensive — but because mistakes at this level are expensive.
We are valued for:
Independent thinking
Technical depth
Structural discipline
Calm, experienced judgment
When complexity rises, experience matters.
A NOTE ON FEES
Our fees reflect judgment, architecture, and accountability — not transactions.
Clients retain us because:
They value clarity over sales
They understand the cost of poor structure
They want decisions made deliberately, not reactively
