Consider wealth outside the business
Capital committed to the business may not be readily available for personal needs. We discuss cash requirements and investment priorities alongside your ownership interests and future plans.
Bilyk Financial · Kelowna
Financial Advice for Business Owners in Kelowna
Build a personal plan alongside your business.
Your business may be a source of income, a major asset and part of your family’s future. We help connect business decisions with what you want your personal wealth to support.
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What we can work through
Prepare before a transition
A sale, transfer or gradual step back can change income and responsibilities. Start with what the transition needs to fund and which uncertainties could affect your personal plan.
Coordinate with your professional team
Your accountant, lawyer and transaction advisors assess the tax, legal and transaction questions. With your permission, we connect those discussions with retirement, family support and investment planning.
Keep family expectations in view
When some family members work in the business and others do not, financial goals and ownership intentions may differ. We help frame the planning questions without assuming that one arrangement fits every family.
Make the first conversation useful
Bring your main questions and a high-level overview of your situation. We can agree on any documents needed and an appropriate way to share them.
- How much of your personal financial future depends on the business?
- Are you considering a sale, a transfer or a gradual reduction in work?
- Who is already advising on the transition?
Connected decisions
Family Office Services
Bring family priorities, business interests and the work of several advisors into one coordinated discussion.
Tax Planning Coordination
Identify decisions that need your accountant’s input before changes to income, investments or ownership.
Investment Management
Connect portfolio decisions with your goals, time horizon, cash needs and tolerance for risk.
Meet to discuss the decision ahead
Our advisors live in Kelowna and can meet in the city by arrangement. Our only physical office is in Vegreville. Please confirm the meeting details with us before attending.
Tell us your preferred city and what you would like to discuss. Please do not include account numbers or sensitive financial documents in an initial enquiry.
Before we meet
Do you have an office in Kelowna?
Our advisors live in Kelowna and can meet in the city by arrangement. Our only physical office is in Vegreville. Please confirm the meeting details with us before attending.
What should I ask before proceeding?
Ask who will work with you, which services and written materials are included, how fees are calculated and how future reviews will work. An introductory conversation is a chance to decide whether the proposed relationship fits your needs.
Can my accountant or lawyer be involved?
With your permission, we can coordinate relevant financial planning questions with your existing professionals. They remain responsible for specialist tax or legal advice, documents and filings.
General information only. Services and recommendations depend on your circumstances and the agreed scope. Obtain qualified tax and legal advice before acting on matters requiring that expertise.