Most people worry about the risk of doing something new. But they often forget something just as important, the risk of doing nothing.

At Bo Banner Wealth, I help incorporated business owners, professionals, and families overcome the friction of inaction. Whether optimizing corporate surplus in your CCPC or planning a multi decade retirement, no decision is a decision.

What you don’t change, you choose.

My role is not to predict markets or pick the next winner. My role is to build a process that gives you the highest probability of reaching your goals, in any market environment.

Mindset

How I think about money, markets, and your long term success.

Good financial planning is not about predicting the future or timing the market. It is about discipline, perspective, and consistency.

Money means nothing without meaning, and you cannot solve an emotional problem with numbers alone. My role is to help you build purpose into your planning.

Markets fluctuate. Headlines change. Fear and optimism come and go. I provide simple, personal, human advice to help you think clearly and make sound decisions rooted in behavioural finance. Together, we focus on what we can control.

  • Trade off Planning: Countless financial strategies exist. Just because a strategy is trendy does not mean it is right for you. We focus on what works for your life.

  • Mental Architecture: Ignoring short term noise in favor of long term evidence.

  • Resilience over Perfection: Building plans that survive real life curveballs, rather than fragile plans built for perfect conditions.

The biggest risk to your wealth is rarely the market itself. It is abandoning a sound plan at the wrong time. We are not trying to "beat the market" this quarter. The goal is to build a financial life that holds up beautifully over decades, protecting your retirement and securing your family's legacy.

Bo Banner, CFP®

Certified Financial Planner

My time in professional sports taught me the value of discipline, teamwork, and a clear strategy, which I bring into my work as a financial planner.

I live in Whistler, BC, with my amazing wife, where we fully embrace the outdoor lifestyle. When I'm not helping clients, you can find me mountain biking, kite surfing, riding my snowmobile, playing Steve Lacy tracks on my bass guitar, or coaching youth basketball.

If you're serious about improving your financial life, I'd be happy to help build a plan that works for you.

Real wealth planning is not about chasing hot trends. It is about building a disciplined process.

  • Objective, human advice to remove emotion from investing and keep you steady during market volatility.

  • Optimizing corporate surplus, HoldCo structures, and after tax outcomes for business owners and high earners.

  • Aligning personal milestones with a synchronized, multi decade blueprint designed to survive real life curveballs.

  • Core index and factor tilted strategies engineered for long term consistency rather than short term market noise.

  • Disciplined portfolio management that captures market opportunities and maintains your ideal risk profile automatically.

  • Translating complex tax rules, corporate structures, and investment jargon into clear, actionable strategy.

Minimums & Investment Approach

  • For clients who choose to have their wealth managed, fees are charged as a transparent percentage of your assets under management (AUM) and decrease as your portfolio grows.

    • 1.00% on assets $0 – $999,999

    • 0.90% on assets $1,000,000 – $1,999,999

    • 0.80% on assets $2,000,000 – $2,999,999

    • 0.70% on assets $3,000,000 – $3,999,999

    • 0.60% on assets $4,000,000 – $4,999,999

    • 0.50% on assets $5,000,000 and above

    Underlying investment product costs typically range from 0.28% to 1.00%, depending on your portfolio structure. All fees are fully disclosed and reviewed regularly.

Who this is for, and how your money is managed.

This is a financial friendship built on trust. As a boutique firm, I intentionally limit my client base. This ensures you receive clear, personal, and deeply human advice rather than a corporate, mass market experience.

I partner with business owners, high earners, and retirees who are ready to delegate their financial management to a professional. My practice is built for coachable, long term thinkers who want clear guidance, value open communication, and take decisive action on their financial plan.

I work with the following minimums.

  • $250,000 in investable assets per household, OR

  • Engagement in a standalone financial plan (detailed below)

A Whistler Touch: For clients based in Whistler, I bring the planning process to you with personalized, in home consultations.

How Investments are Managed

There is no single “product” or one size fits all portfolio. Your investments are built intentionally based on your unique goals, tax situation, and timeline. Here is a look at the tools I may use.

  • Corporate Class Investing: Designed primarily for taxable corporate accounts and HoldCos, corporate class structures optimize tax efficiency by deferring taxes on capital gains and growth. This allows incorporated business owners and high earners to compound wealth faster and keep more of their hard earned corporate surplus working for them.

  • ETFs and Mutual Funds: I build portfolios using low cost, broadly diversified, evidence based building blocks. Depending on your goals, this includes broad market index strategies and targeted factor tilts focused on value, size, and profitability. I partner with trusted global investment managers like Dimensional Fund Advisors and Fidelity to construct portfolios engineered for long term discipline over short term noise.

  • Socially Responsible Investing (SRI): For clients who want their portfolio aligned with their personal values, I offer ESG focused strategies. These portfolios incorporate environmental, social, and governance factors while maintaining the same rigorous standards of global diversification, low costs, and disciplined risk management.

Who I Serve

CCPC & Small Business Optimization

For incorporated business owners and Canadian Controlled Private Corporations (CCPCs) with gross revenues between $250k and $1M. I specialize in integrating your corporate balance sheet with your personal retirement blueprint.

Salary vs. Dividend Optimization

Balance your personal draw to minimize overall tax exposure while preserving CPP and RRSP contribution strategies.

Corporate Surplus Extraction

Tax efficient strategies to move passive surplus cash out of your active business without triggering excess tax liabilities.

HoldCo & OpCo Alignment

Multi entity structuring to safeguard retained earnings and optimize long term growth.

Capital Dividend Account (CDA) Planning

Extracting tax free wealth from your corporation directly to shareholders.

Proactive CPA Collaboration

Working alongside your corporate accountant to implement forward looking, multi year tax and wealth strategies.

How We Work Together

Clear, transparent pricing tailored to your needs.

Whether you need a one time check up, a retirement roadmap, or specialized corporate planning, choose the tier that fits your situation.

  • Flat Fee: $1,000 | Single Focus Check up (4-Month Support)

    An objective, professional second opinion. This project maps exactly where you stand today and identifies immediate, high impact adjustments to optimize your momentum.

    • What I Review: High level trajectory mapping, a prioritized checklist of immediate wins (maximizing registered accounts, streamlining cash flow, and debt analysis), and an independent review of current holdings and insurance gaps.

    • Ideal For: Action oriented DIYers or high earners looking for an expert gut check who value clear, objective feedback on their trajectory.

  • Starting at $2,500 | Comprehensive Wealth & Retirement Strategy (12-Month Partnership)

    Your financial plan. I weave household income, investment accounts, and family security into one blueprint. Every dollar gets a distinct job, allowing you to enjoy your lifestyle today while safely engineering your retirement.

    • What I Build: A detailed 20+ year financial map to stress test major life milestones (retirement transition, property purchases), tax efficient asset structures for high earners, cash flow optimization, and an inheritance framework to fund education and protect generational wealth.

    • Ideal For: High earning families and long term thinkers ready to delegate their family security and retirement timeline to an independent guide.

  • Starting at $4,500 | Integrated Corporate & Personal Blueprint (12-Month Partnership)

    Engineered specifically for business owners and incorporated professionals. I treat your company as the main driver of your financial success, aligning corporate surplus with your personal family goals.

    • What I Build: A unified 20+ year map connecting corporate and personal assets, corporate surplus architecture (optimizing salary vs. dividend mixes and tax efficient retained earnings investing), a risk and shareholder agreement audit, direct coordination with your corporate accountant, and an intergenerational wealth transition plan.

    • Ideal For: Coachable CCPC owners and entrepreneurs ($250k–$1M gross revenue) seeking a long term partner to optimize corporate surplus and streamline tax extraction.

FAQs

  • My best client relationships are built with engaged, responsive delegators who view financial planning as a long term partnership rather than a transaction. If you want to delegate your corporate tax extraction, asset management, and drawdown blueprint to an independent CFP®, we will be a great fit.

  • I run realistic stress tests on your numbers so you can see exactly where you stand, helping you feel confident that your lifestyle is protected.

  • I evaluate your income, tax situation, and lifestyle goals to pinpoint the right age to start drawing government benefits without taking an unnecessary tax hit.

  • I map out an efficient order of withdrawals (RRSP/RRIF, TFSA, non-registered, or corporate savings) to keep your lifetime tax bill as low as possible.

  • I set simple, flexible spending guardrails so you can enjoy your retirement and focus on living life, without constantly worrying about market swings.

  • I look closely at your cash flow and goals to give you a straightforward, honest picture of where you are and what adjustments (if any) will keep you on track.

  • I build smart estate structures so you can protect your wealth and smoothly pass on a meaningful legacy to your children and loved ones.

Contact Me

Wealth does not happen by accident, it is built with the right plan and the right guide. Connect with Bo Banner Wealth today and take the first step toward the future you deserve.  

Your Journey Starts Here

Relationships

Canadian Investment Regulatory Organization

The Canadian Investment Regulatory Organization (CIRO) is the national self-regulatory body overseeing investment and mutual fund dealers in Canada. Formed in 2023 through the merger of IIROC and MFDA, CIRO enforces compliance, investor protection, and industry standards under the authority of the Canadian Securities Administrators (CSA) to ensure market integrity.

Investia Financial Services 

A member of iA Financial Group, Investia Financial Services Inc. has been in operation since 1988. Now the largest independent mutual fund dealer in Canada, Investia offers a wide range of products and services associated with the distribution of mutual funds and segregated funds.

HUB Financial Inc.

HUB Financial Inc., a leading Canadian managing general agency (MGA) and part of HUB International, provides insurance, investment, and wealth management solutions to independent advisors. It offers access to major insurance carriers, technology, compliance support, and training, helping advisors deliver comprehensive financial solutions.

Disclaimer

Mutual funds, exempt market products and exchange traded funds are offered through Investia Financial Services Inc. The particulars contained herein were obtained from sources which we believe reliable but are not guaranteed by us and may be incomplete. The opinions expressed on this website have not been approved by and are not those of Investia Financial Services Inc. This website is not deemed to be used as a solicitation in a jurisdiction where this Investia representative is not registered.