“What should I do with the money in my corporation?”
Separate the cash your business needs from the wealth available for longer-term goals. Then compare the options.
FOR INCORPORATED PROFESSIONALS & BUSINESS OWNERS IN BRITISH COLUMBIA
You’ve worked hard
to build your wealth.
Know what it can do
for your life.
What can you comfortably spend? When could you work less?
How will your family be provided for?
Clement Chung helps connect your corporate money, personal investments and future goals—so you can make those decisions with a clearer picture.
Complimentary 30–45-minute discovery consultation.
No obligation to transfer investments or purchase products.
SUCCESSFUL AT BUILDING WEALTH. READY FOR A CLEARER PLAN.
Your business has grown.
Has your personal plan kept up?
Money in the corporation. Investments in different accounts. Advice from different people. The missing piece may not be another investment. It may be a plan that connects it all.
“We’ve done well. Can we afford to work less?”
Look beyond a total account balance. Understand how your assets, spending and timing could work together.
“Is everyone looking at the same picture?”
Bring corporate decisions, personal investments, family priorities and your existing advisers into one conversation.
THE VALUE OF ASKING A BETTER QUESTION
See the decision.
Not just the account balance.
Examples from Clement’s historical planning conversations show how he examines the choices behind the numbers.
CORPORATE WEALTH
More investment income.
But is it needed?
A family considered an income-oriented portfolio of approximately $4 million, with hypothetical annual distributions of $200,000.
The question: If annual spending is closer to $100,000, should every dollar be organised around generating income now?
Compare the family’s spending needs with the purpose of its longer-term wealth.
LIFESTYLE & RETIREMENT
Could there be more
room to enjoy life?
In a planning model, reducing savings contributions by $1,000 a month still supported the client’s stated retirement objectives.
The question: Could that create room for approximately $12,000 a year of travel or other priorities?
Understand what spending today could mean for the life planned for tomorrow.
A MAJOR FAMILY DECISION
A new home.
A clearer trade-off.
A scenario compared a roughly $6 million portfolio with allocating $1 million of that wealth toward building a home.
The question: What changes if projected after-tax annual retirement income moves from approximately $160,000 to $140,000?
Make the long-term effect visible before making a significant commitment.
Historical discussions and modelled illustrations—not verified realised savings, testimonials or guaranteed outcomes. Projections depend on assumptions, circumstances, taxes, fees and future conditions. These examples do not establish uAdvisor’s track record.
Start with the decision you want to feel clearer about.
IN HIS CLIENTS’ WORDS
Expertise matters.
So does the person behind it.
Professional, personal attention
“Clement is incredibly competent and professional…”
A clearer family financial picture
“helped our family strategically improve our financial situation…”
Making the numbers understandable
“He is quick with numbers and analysis…”
Excerpts published on Clement’s previous website, reflecting his professional work rather than results of the newly launched firm. Original source.
Your priorities.
The starting point.
The starting point.
MEET YOUR FINANCIAL PLANNER
Clement ChungCFP · CLU · CIM
A conversation about your life.
Not a pitch for another product.
My work in Canadian financial services began in 2013. It has included individual client advice, comprehensive financial planning and advisory team leadership.
At uAdvisor, I help incorporated professionals and business owners connect the corporate and personal sides of their finances. We start with what matters to you, examine the decisions ahead and work through the trade-offs together.
Sometimes a better plan means taking action. Sometimes it means preserving flexibility or deciding not to act yet. The point is to understand why a decision fits your life.
HOW CLEMENT APPROACHES YOUR PLAN
A fuller picture.
A clearer next step.
The discovery conversation is the starting point. Where a further engagement is appropriate, the planning work follows four connected steps.
Understand the decision
What do you want your money to make possible? Start with your priorities, your current situation and the questions that matter.
Compare the options
Model meaningful alternatives across your corporation, investments, spending and future goals—not just one account in isolation.
Make trade-offs clear
Understand the assumptions, consequences and questions that need input from your accountant, lawyer or other specialists.
Put next steps in order
Turn the findings into a sequence of decisions that fits your priorities, with responsibilities and professional coordination made clear.
BEFORE WE TALK
A few questions
you might have.
Incorporated professionals and owner-operated business owners in British Columbia who have built meaningful investments or retained earnings and want a clearer picture of how their business and personal finances fit together. The important question is the complexity of your decisions—not one rigid account-balance threshold.
In approximately 30–45 minutes, we discuss your circumstances, priorities and the decisions you want help with. Clement identifies areas that may warrant a closer look and explains whether his approach is a fit. This is an introductory conversation, not a completed financial plan or an individual tax or investment recommendation.
Yes. Your accountant remains an important part of the picture. Clement’s approach connects business finances, personal investments, spending and long-term goals, identifying where coordination with your accountant or lawyer may be needed. The conversation is about understanding what is already covered and where a gap may remain.
No. There is no obligation to transfer investments or purchase financial products to have the discovery conversation. We start with your situation and the decisions that matter to you—not a requirement to move your accounts.
No. You may be actively building wealth, deciding what to do with retained earnings, considering a major purchase or starting to think about working less. Retirement is one of the decisions your plan can address, not a requirement for the conversation.
Bring the main question you would like to answer and a general understanding of your business and personal finances. A spouse or partner is welcome if they are involved in the decision. You do not need to upload account statements, tax returns or sensitive documents to apply.
No. The introductory consultation is complimentary and without obligation. It is a chance to understand your priorities, ask questions and decide whether working together makes sense. Any further work and its terms are discussed before you decide to proceed.
YOUR NEXT CHAPTER STARTS WITH A CONVERSATION
You don’t need every answer.
Start with the right questions.
Tell Clement what you’ve built, what matters next and where you would like more clarity.
Complimentary discovery call No transfer requirement No obligation