Protect your family. Grow your wealth. Pass it on tax-free.
Whether you're raising a family or running a company, we help you protect the people you love, build savings you can use, and leave a tax-efficient legacy, all explained in plain language.
Families and business owners, at every stage
For families
Protect your income, your home and your children's future.
- Life insurance to replace your income and pay off the mortgage
- Critical illness and disability coverage
- Whole life for your children, locked in at today's low rates
- Savings you can borrow from for big expenses, the Infinite Banking way
- Wills and powers of attorney, with our lawyer
*Based on Equitable Life of Canada 10-year term rates for a 35-year-old male non-smoker, October 2026: $356.39 a year, paid annually. Your cost depends on your age, health and lifestyle.
For business owners
Put your company's surplus cash to work for you and your family.
- Corporate-owned whole life and the capital dividend account
- Buy-sell funding and succession planning
- The Immediate Financing Arrangement (IFA)
- Overhead, key person and critical illness coverage
- Two-will planning to reduce probate tax
You've worked hard for what you have. Have you planned for what happens next?
Without a plan, taxes, probate and unpaid debts can take a big share of what you built, at the worst possible time for your family.
No will, or the wrong will
Without a will, Ontario law decides who gets what, and a court decides who raises your children. Business owners may also need a second will to cut probate tax.
Savings that lose to tax
Interest on savings is taxed every year. Inside a corporation, investment income is taxed at about 50% and can shrink your small business tax rate.
What if you can't work?
Six months off for illness or injury. The mortgage, the bills and, for owners, the payroll keep coming. How would you pay them?
Six things a good estate plan should do
A plan isn't just a will. How many of these can you tick today?
Pay debts, final costs and taxes efficiently
So your family doesn't have to sell assets, or the business, to pay the tax bill.
Give your spouse their own income
Money that doesn't depend on the business being sold or doing well.
Treat your children fairly
If one child takes over the business, life insurance can give the others a fair share in cash.
Plan your succession while you're alive
Decide who takes over, when and at what price, with a funded buy-sell agreement.
Keep the company healthy, and don't pass on debt
Cash to keep the business running, so your family doesn't inherit its debts.
Build wealth outside the business
A protected retirement plan of your own, so your retirement doesn't depend on selling.
Put your surplus cash to work in corporately owned whole life insurance
Move idle cash
Your company pays the premiums with low-taxed corporate dollars.
Grow it tax-sheltered
The cash value grows without yearly tax, and is there for emergencies.
Use it in retirement
Borrow against the policy for income, without cashing it in.
Pass it on tax-free
Most of the death benefit can reach your family tax-free through the capital dividend account.
Same money, two paths
Melissa, 37, owns a profitable company that can set aside $42,000 a year for 10 years. Both paths pay her an extra $23,000 a year after tax from age 65 to 85.
The difference is what her family receives.
How we help
Families
Life insurance to protect your income and your home, sized to what your family actually needs.
Learn moreYour children's future
Whole life for your children: lifelong coverage at today's rates, and cash value they can use later.
Learn moreBusiness owners
Corporate whole life, the capital dividend account, buy-sell funding and the Immediate Financing Arrangement.
Learn moreEstate and succession
Two-will planning with your lawyer, tax at death and passing the business on smoothly.
Learn moreIllness and disability
Critical illness with return of premium, disability insurance and business overhead expense insurance.
Learn moreInfinite Banking Concept
Use whole life insurance as your own source of financing, the way R. Nelson Nash taught it.
Learn moreReal estate investors
Use your policy's cash value to fund down payments and protect your portfolio.
Learn moreGroup benefits
Health and dental plans that help you keep good staff.
Learn more
Get the free 24-page guide
Plain language, no jargon. Part 1 is for every family: how much life insurance you need, term or whole life, savings for your children, and wills and powers of attorney. Part 2 is for business owners: the six goals of a good estate plan, two wills, buy-sell agreements and the capital dividend account. Both end with a simple checklist.
Get my free guide
Johnny Dao, MFA-P, IBC Practitioner
I came to Canada as an immigrant and built businesses of my own, so I know what it takes, and what's at stake. When I discovered the Infinite Banking Concept, it changed how I saw money. Now I help business owners use the same strategies to protect their families and grow their wealth.
I work alongside your accountant and lawyer, and I explain everything in plain language. Service in English and Tiếng Việt.
A lawyer, an accountant and an advisor, working together
A good estate plan needs all three. Your wills, your taxes and your insurance have to fit together, so we plan them as one team. Already have your own lawyer or accountant? We're happy to work with them.
An immigrant and serial entrepreneur, Johnny turned his own search for financial literacy into a practice. He discovered the Infinite Banking Concept and now helps business owners, especially fellow immigrants, protect their families and grow their wealth. He designs the insurance and financing plan and brings the team together.
- Master Financial Advisor – Philanthropy (MFA-P)
- Infinite Banking Concept (IBC) Practitioner
- Asset Structuring Specialist
Born and raised in Hamilton, Antonio worked with a major trust company before going back to school for business and then law. Since being called to the bar in 1994 he has worked at a prominent Hamilton law firm and run his own practice. He focuses on corporate and commercial law, estates, trusts and wills, and real estate, and has served on several non-profit boards.
- Bachelor of Laws, University of Western Ontario (1992)
- Honours Bachelor of Commerce, McMaster University (1989)
- Business Administration diploma, Mohawk College (1983)
- Called to the Ontario bar, 1994
- Member, Hamilton Law Association
Gerry started his career in the tax department at Deloitte Touche Chartered Accountants before moving into the investment world. Today he works as a tax accountant, runs Canadian Investment Services, which focuses on real estate investments, and offers financial and estate planning as a Certified Financial Planner.
- Chartered Professional Accountant (CPA, CGA)
- Certified Financial Planner (CFP)
- AMP designation
- Former tax department, Deloitte Touche Chartered Accountants
- Licensed in all five regulated investment marketplaces in Canada
Is your plan complete?
Book a free review. We'll look at your will, your coverage and your savings and, if you own a business, your agreements and surplus cash, then show you an illustration built for you.
Johnny Dao is a licensed life insurance agent in Ontario, FSRA licence #17156761. Insurance products are offered through The Gryphin Advantage Inc.
Legal and accounting services are provided independently by the professionals named on this site. This website is general information only and is not legal, tax or investment advice. Insurance is subject to underwriting and the terms of each policy.