Business capital
The cash your company needs to operate and grow, and capital that may be available for longer-term investment.
Who we serve / Business owners
Plan for life within and beyond your business.
A financial advisor for business owners helps connect company capital, personal investments and family priorities. At Bilyk Financial, we consider these decisions together, with the life you want to lead in view.
Your wealth, in context
Your business is part of a bigger picture.
The company’s cash needs, your wealth outside it and a possible ownership change can affect the same plan. Consider these connected perspectives alongside the people and priorities that matter to you.
Your priorities
The life around your business
Personal and family wealth
The investments, income needs and family responsibilities that sit alongside your ownership in the business.
A future transition
The way a sale, succession or gradual step back could affect your income and intentions for the next generation.
These priorities often overlap. A decision about the business can change what your personal investments and family plan need to support.
Decisions worth connecting
Ask the questions before making the decisions.
Retained earnings, investment risk and a possible ownership change call for different conversations. Begin with what each part of your wealth needs to do, then consider the decisions together.
Which capital needs to remain available?
Consider what the company needs for operations, taxes and growth before discussing funds that may be available for longer-term investment. With input from your accountant, review access to money, timing and the level of investment risk that fits those needs.
How much depends on your business?
Ownership may be a major part of your financial picture. Review how much of your family’s future depends on one company or industry, and how personal and corporate investments fit alongside your income, retirement and family priorities.
What would a transition need to support?
A sale, succession or gradual step back can change your income and the role of your investments. Consider future spending needs and the purpose of potential proceeds. Your accountant, lawyer and transaction advisors provide advice within their areas of expertise.
A coordinated conversation
Keep the people advising you connected.
Investment, business and family decisions can affect one another. With your permission, we work alongside your accountant, lawyer and other relevant professionals so the financial plan reflects the broader picture. Each professional remains responsible for their specialist advice.
Meet the team and explore our commitment to a relationship built around your priorities.
Your questions
Before you begin.
Use an introductory conversation to discuss the decisions ahead, the support you want and how the relationship would work, including services and fees.
Do I need to be ready to sell my business?
No. The conversation can begin with capital needs and the wealth you are building alongside the business. If a sale, succession or a gradual change in your role becomes relevant, we can discuss how it may affect your personal financial picture.
Can you work with my existing accountant or lawyer?
Yes. With your permission, we can coordinate investment and planning discussions with your existing professionals. Your accountant and lawyer continue to advise on tax, legal and transaction matters within their respective expertise.
A conversation about what comes next
Start with the life around your business.
Tell us about your company, the people who rely on you and the decisions ahead. We can discuss the support you are looking for and whether the relationship is a fit.
Prefer to email?
hello@thebilykteam.ca