You built wealth through discipline and sacrifice. Without the right structure, the government decides what happens to it at death. Not you.
Corporate wealth looks strong on paper. Without the right structures, it is exposed to tax at death, inaccessible during transition, and impossible to divide without liquidating what took decades to build.
OSF exists for those who see wealth as stewardship. Three pillars. One standard.
You earned your success through discipline, sacrifice, and intelligent risk. Your planning should reflect that.
Founders think in systems. Your planning should match: structured, decisive, and built for the long term.
Everything comes back to the people you live for. We build structures that protect your estate and preserve opportunity across generations.
"The right planning preserves wealth and protects what matters most."
At OSF Financial, planning is stewardship. We reflect who our clients are at their best, and we build structures that endure.
After-tax corporate dollars can be structured to create permanent, tax-advantaged wealth. Growing inside your corporation, accessible to your estate, outside of probate. This is the conversation most advisors never start.
"The highest use of corporate surplus is not a savings account. It is a structure that compounds, protects, and transfers tax-efficiently."
Redirect retained earnings into a structure that grows tax-sheltered inside the corporation, protected from passive investment income tax.
A key person event: disability, death, departure. Any one of them can destabilize a business overnight. The right structure means the enterprise survives.
Corporate-owned structures fund estate taxes, equalize inheritance, and create a tax-free transfer at the moment it is needed.
OSF clients are defined by how they think, not by what they have. High-net-worth entrepreneurs who built their success and want to protect it with the same intention.
"We reflect who you are at your best."
One integrated process, built around your full picture.
Capital gains on recreational property can force a sale no one in your family wants. The liquidity was not there. Structure changes that outcome.
Who takes over? Who buys out the departing partner? Who funds the transition? These are answerable questions. But only with structure in place before the event.
One child runs the business. Another lives abroad. A third has no interest in either. Treating them equally may be the most unfair thing you do. There is a better way, designed in advance.
These are the questions that separate a plan that looks good from one that holds.
"If I died tonight, does my family have enough liquid cash to cover my estate tax without selling anything?"
Most founders do not know. The answer changes everything.
"Is my corporate surplus growing tax-efficiently, or sitting exposed to passive investment income rules?"
There is a structure for this. Most founders have never been shown it.
"Does my succession plan reflect what I actually want, or just what was easiest to document?"
What is simple for the advisor is often complex for the family.
"Can I equalize my estate between my children without one of them inheriting a problem?"
Structure lets you be generous and fair. Without it, you choose one.
"If my key person, or I, could not come to work tomorrow, does the business survive financially?"
Key person risk is the exposure most business owners acknowledge and ignore.
"When did someone last challenge my planning, not to sell me something, but to make sure it still holds?"
The best time to review a plan is when nothing is wrong. That is the conversation OSF initiates.
Every client enters OSF through a structured introduction. We listen first. Alignment is confirmed before any engagement begins.
We integrate your business, personal, and legacy intentions into one clear strategy. Clean direction. The reasoning behind every decision.
OSF is not a transaction. We review, evolve, and stay ahead. The best planning is a continuous conversation.
"I want to be the first call. When things are going well, and when they are not."
I built OSF for business owners who think beyond the next fiscal year. My role is to bring the right people, the right conversations, and the clarity that creates opportunity.
Every interaction leaves the client feeling understood and strategically guided. That is the standard. That is OSF.
Dan built OSF around a single observation: the people achieving the most rarely have someone who truly understands them.
He began his career at Goldman Sachs, working with some of the world's most complex organizations, before moving to Bank of America Merrill Lynch where he helped businesses raise equity on the Toronto Stock Exchange. Through those years, Dan worked alongside founders and executives who were building extraordinary things, and who deserved more than transactional advice.
OSF is the answer to what was missing. Whether Dan was captaining the Syracuse Rowing Team, competing at Cambridge, or leading some of North America's most sophisticated financial conversations, he has always operated at the level his clients live at.
Dan understands because he has been there, and continues to build alongside those with shared aspirations.
Mary ensures that everything OSF promises, OSF delivers.
With a background in criminology and social science, she has a natural instinct for how the details connect, and what happens when they don't. Since joining the firm in 2013, she has brought that same discipline and care to every facet of operations that keep client relationships running exactly as they should.
Mary is why OSF's standard of excellence isn't just a philosophy. It's a practice.
Once a plan is in place, Vonn is the person who makes sure it stays that way.
She works directly with existing clients, managing policies, answering questions, and ensuring every commitment OSF has made is honoured. Her role is relational. The trust a client places in their advisor deepens with every interaction that follows the signing table.
She is why OSF clients feel looked after, not just planned for.
OSF works with business owners who have built real wealth and want the structure around it to reflect that. We lead with the right questions.
We are the partner beside the affluent who are ready to approach their wealth the way it was built: with intention, structure, and a long-term view.