Who We Serve

High-Net-Worth Financial Planning for Families

Family wealth planning requires more than investment advice—it requires trust, communication, and a plan that reflects your values. At Mignault Badder & Associates, we guide families in two key ways: structuring their wealth for long-term success and preparing future generations for the responsibilities that come with it.

Our process begins with real conversations. We ask questions, learn about your family dynamics, and uncover what truly matters to you. From there, we create a personalized financial strategy that addresses both your current lifestyle and the legacy you wish to leave behind.

We help families:

• Build estate strategies that minimize tax and maximize impact
• Prepare the next generation for inheritance and financial responsibility
• Foster open communication across generations to avoid conflict
• Create lasting plans that support future life goals

Whether you're planning to support your children through university, gift a cottage to your grandchildren, or establish a charitable fund, we help you do it with intention and clarity.

High-Net-Worth Financial Planning for Pre-retirees and Retirees

After a lifetime of building wealth, retirement shifts the focus—from accumulation to preservation, protection, and enjoyment. This next chapter brings its own set of questions and complexities. At Mignault Badder & Associates, we help you navigate them with confidence.

Key considerations we help address:

• Longevity risk

  You may live longer than you expect—your financial plan should account for that.

• Tax efficiency

  Taxes don’t stop when you stop working. We structure your income to help you keep more.

• Income sustainability

  Your portfolio now needs to generate steady, tax-efficient income for the long term.

• Legacy planning

  Your ability to leave a meaningful legacy depends on a well-designed plan today.

We’ll help you move through retirement with clarity and control—so you can spend more time enjoying life, and less time worrying about your finances.

High-Net-Worth Financial Planning for Business Owners and Entrepreneurs

As a business owner, your personal wealth is often closely tied to the success of your company. We work with entrepreneurs who are building, growing, or preparing to exit their businesses—offering strategies that help separate your personal future from the demands of your business.

Here’s how we help:

• Succession planning

  Planning to sell or transition your business? We help you secure the value you’ve created.

• Tax reduction strategies

  We use tools like holding companies and life insurance to reduce your tax burden.

• Investment diversification

  We help you build wealth outside the business—so your personal security doesn’t depend on company performance.

We understand your world because we’ve lived it ourselves. Our team provides practical, proactive advice to help you turn today’s success into long-term financial security.

High-Net-Worth Financial Planning for Healthcare Professionals

You dedicate your career to others—our job is to help ensure your financial health is just as strong. We work with doctors, specialists, dentists, and other healthcare professionals whose time is limited but whose financial decisions carry long-term consequences.

From managing corporate structures to navigating investment opportunities, we simplify complexity so you can focus on what matters most.

Our services for healthcare professionals include:

• Incorporation guidance

  We help you set up and manage a Canadian-controlled private corporation for optimal tax efficiency.

• Tax strategies

  We identify deductions and credits that apply specifically to healthcare professionals.

• Corporate insurance

  We structure corporate-owned insurance to preserve capital and create tax-sheltered value.

• Investment planning

  We design portfolios that align with your goals, time horizon, and risk tolerance.

You care for your patients—we’ll take care of the rest.