Keep What You Build

Your personal life insurance policy covers your family. But what about your business?In this episode, Martin Ochwat sits down with Greg Rozdeba, Co-Founder & CEO of Dundas Wealth, to break down the gap between personal and business coverage — and why most business owners are unknowingly exposed.You'll learn what falls through the cracks when you only have personal coverage: key person insurance, buy-sell agreements, corporate debt protection, and the tax bill at the end of your life (deemed disposition). Greg walks through real numbers, practical examples (including the $1M personal policy that doesn't fund the business side), and why this gap matters more than most people realize.What we cover:Why "I'm fully covered with life insurance" is usually incompleteThe 4 major business risks personal coverage doesn't addressKey person insurance: protecting your business from losing a critical revenue driverBuy-sell agreements: funding a partner buyout when something happensCorporate debt + personal guarantees: the hidden exposure most business owners missDeemed disposition: the tax bill your family will face at the end of your lifeReal costs: what partner buyout insurance and key person coverage actually runHow to get started: a simple needs assessment and first stepsIf you're a Canadian business owner with employees, partners, or retained earnings in your corporation, this one's essential listening.Book a free strategy call: dundaswealth.ca/applyKeep What You Build is presented by Dundas Wealth. The content in this podcast is for educational purposes only and does not constitute financial, tax, or legal advice. Always consult a qualified professional before making financial decisions.

You've got money sitting inside your corporation. Maybe it's $200K, maybe it's a million. You know you should be doing something with it — but nobody's ever walked you through all the options.In this episode, Martin sits down with Paige Motamedi of Hall Life Insurance Corporation — 22 years in the industry, backed by a firm with nearly a century of experience working with Canadian entrepreneurs — to break down exactly what's happening to your retained earnings and what you can actually do about it.What we cover:The $50K passive income threshold: why crossing it triggers a clawback on your small business deduction worth tens of thousands per yearYour options when retained earnings pile up: cash, stocks, real estate, dividends — and the pros and cons of eachHow corporate-owned life insurance redirects passive income into a tax-exempt, balance-sheet-building asset without coming out of pocketThe "use the 4%" strategy: funding your COLI policy from investment gains or rental income instead of fresh capitalThe CDA (capital dividend account): how the death benefit flows to your family completely tax-freeWho this strategy is right for — and who should stay awayA real client scenario: a real estate investor facing a $2M capital gains tax bill, and how a joint last-to-die COLI policy solved itThe first step to take if you've been sitting on retained earnings for years without a planIf you're an incorporated Canadian business owner with retained earnings building up in your corp, this one is worth your time.Book a free strategy call: dundaswealth.ca/applyKeep What You Build is presented by Dundas Wealth. The content in this podcast is for educational purposes only and does not constitute financial, tax, or legal advice. Always consult a qualified professional before making financial decisions.

Your accountant is great at what they do. So why have they never mentioned corporate-owned life insurance — or the tax strategies that come with it?In this episode, Martin sits down with Greg Rozdeba, Co-Founder & CEO of Dundas Wealth, to explain why these strategies rarely come up with your accountant — and it's not what you'd think. It's a scope issue, not a competence one: licensing, time, and specialization keep most CPAs out of the insurance side, even when there's real money on the line.What we cover: • Why "my accountant would have told me" is usually the wrong assumption • The real reasons CPAs don't raise insurance — time, licensing, liability, and specialization • The four areas insurance quietly handles: corporate-owned life insurance, estate planning, retirement strategies (IRPs/IPPs), and funded buy-sell agreements • Why you should start with a specialist, then bring your accountant in to scrutinize the proposal • What it looks like when the advisor and accountant actually collaborateIf you're a Canadian business owner with retained earnings or passive income inside your corporation, this one is worth your time.Book a free strategy call: dundaswealth.ca/applyKeep What You Build is presented by Dundas Wealth. The content in this podcast is for educational purposes only and does not constitute financial, tax, or legal advice. Always consult a qualified professional before making financial decisions.

Your corporation earned passive income. Now the government wants a bigger cut of it — and most business owners don't see it coming.In this episode, Martin sits down with Michael Baker, CPA, to break down Corporate-Owned Life Insurance (COLI) — the strategy accountants use to legally shelter passive income, access tax-free cash, and build wealth inside your corporation.What we cover: • What the passive income threshold is and why it quietly erodes your small business deduction • How COLI moves investment income outside the passive income test • The Capital Dividend Account (CDA) — and how it gets cash out of your corporation tax-free • How to use your policy's cash value as leverage without triggering a taxable event • When COLI makes sense — and when it doesn'tIf you're a business owner with retained earnings or passive income inside your corporation, this one is worth your time.Book a free strategy call: dundaswealth.ca/applyKeep What You Build is presented by Dundas Wealth. The content in this podcast is for educational purposes only and does not constitute financial, tax, or legal advice. Always consult a qualified professional before making financial decisions.

If your business partner died tomorrow, who would own their shares? If you don't have a funded buy-sell agreement, the answer might surprise you.Martin Ochwat sits down with Ben Corriveau (Founders Wealth) to break down buy-sell agreements — what they are, the three types, how life insurance funds them, and what actually happens to a business when a partner dies without one.What's covered:• What a buy-sell agreement is and why every partnership needs one• The 3 types: Cross Purchase, Entity Redemption, and Hybrid• How life insurance funds the agreement (real numbers)• What happens without one — 3 nightmare scenarios• The biggest mistakes business owners make with existing agreementsBook a free strategy call: https://dundaswealth.ca/applyWebsite: https://dundaswealth.ca. Podcast: https://keepwhatyoubuild.com. This content is for educational purposes only and should not be construed as financial, tax, or legal advice.

Most Canadian business owners have an accountant, a lawyer, maybe a financial advisor — but nobody is looking at the full picture. That's where the blind spots form.In the first episode of Keep What You Build, Martin Ochwat sits down with Greg Rozdeba (President, Dundas Wealth) to break down the 5 tax blind spots he sees costing incorporated business owners thousands every year.The 5 blind spots covered:1. The Partner Gap — unfunded buy-sell agreements2. The Corporate Cash Trap — retained earnings and passive income rules3. The Estate Surprise — deemed disposition at death4. The Accountant Assumption — why CPAs don't flag these gaps5. The Personal vs Business Insurance Gap — why personal coverage isn't enoughBook a free strategy call: https://dundaswealth.ca/bookWebsite: https://dundaswealth.caThis content is for educational purposes only and should not be construed as financial, tax, or legal advice.