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Your financial plan comes first. Everything else follows.

We help business owners define their wealth goals, understand their options, and implement disciplined investment and insurance strategies designed to support long-term success.

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“Ben is a remarkable man. He’s not just your average investment advisor, definitely not. He gives good sound advice and points you in a sensible direction. That man is worth his salt and has patience of steel. Ben will not let you down as a professional."
Dr. John Bradford​
General Practitioner
"It is clear education is the root of Ben’s practice and solution-oriented procedures when it comes to addressing both insurance and financial strategy. Ben will partner with you, and I promise he will become one of your greatest assets."
Stefan Cvijetan
Founder & OMP Level Osteopathy​

Our Partners

Who We Work With

Incorporated Small Business Owners (2-100 employees)

We work with incorporated small business owners whose financial lives are more complex than a single balance sheet. When income flows through a corporation, decisions around compensation, tax, investing, and lifestyle are deeply connected — and require thoughtful planning.
Our business owner clients are typically focused on:
  • Drawing income tax-efficiently : Structuring salary, dividends, and retained earnings to support both personal lifestyle and long-term goals.
  • Creating clarity between business and personal finances : Defining where business money ends and personal money begins — with a clear plan for both.
  • Building sustainable personal budgets : Coordinating household cash flow, savings, and investments with the realities of business income.
  • Using the business as a wealth-building tool : Making informed decisions around retained earnings, corporate investing, insurance, and risk management.
  • Attracting and retaining key employees : Designing group benefits and compensation strategies that support growth and stability.

Our role is to bring structure, clarity, and discipline to both sides of the equation — so the business supports your life, not the other way around.

Individuals seeking disciplined, goal-based financial planning

We also work with individuals and families who value a structured financial plan, disciplined investing, and ongoing guidance — and who prefer to delegate strategy while staying informed and engaged.

Typical characteristics of our individual & family clients:

  • Seriously planning for retirement
  • Established savings that require professional coordination and accountability
  • Commitment to long-term planning, not short-term speculation
  • Have a desire for a clear financial plan tied to personal goals
  • Have the discipline to follow a structured investment approach

Our role is to be your financial guide throughout your personal wealth journey. It is our mission to be your CFO who’s responsibility it is to get you to your financial independence number (FIN).

How We Help

Business & Personal Financial Planning

We build you a foundational financial strategy that integrates your business and personal goals

We help incorporated business owners bring structure to both sides of their financial life — aligning business cash flow, personal income, and long-term goals through a coordinated financial plan.

This may include:

  • Business and household budgeting
  • Salary vs. dividend planning
  • Lifestyle funding from the corporation
  • Goal-based planning for family and future

Corporate Wealth & Retained Earnings Strategy

We design a strategy to grow your retained earnings tax-efficiently so they don't sit idle

In collaboration with your accountant, we help design tax-aware strategies for investing retained earnings, managing dividends, and positioning corporate capital to support both growth and personal wealth.

This may include:

  • Corporate investment accounts
  • Capital dividend planning (CDA awareness)
  • Insurance-backed strategies where appropriate

Risk Management, Protection & Estate Planning

We implement a wealth preservation strategy to protect your income for your family and long-term outcomes

Risk management is a core part of responsible planning. We help business owners identify and address risks to income, family security, and estate outcomes — using insurance strategically, not reactively.

This may include:

  • Income protection (disability, critical illness)
  • Business and personal life insurance
  • Estate and succession considerations

Employee Benefits & Retirement Solutions

We design a comprehensive financial wellness program to take care of your greatest asset - your people.

As your business grows, compensation and retirement planning become strategic decisions. We design group benefits and savings solutions that is targeted towards employee retention and long-term sustainability.

This may include:

  • Group benefits and health plans
  • Group retirement savings plans
  • Individual Pension Plans (IPPs)

Personal Wealth & Registered Planning

We maximize your overall wealth with a coordinated savings strategy between the business and your family.

We manage registered and non-registered accounts as part of a broader plan — ensuring RRSPs, TFSAs, and other personal investments are synchronized with corporate income decisions and long-term objectives.

This may include:

  • Personal account set up for your family members
  • Asset allocation of your personal accounts
  • Administration of personal transactions throughout the year
Our Planning Process

All services are delivered through our structured Jacobs Financial 4D planning process – not sold individually.

1. Discovery

Purpose: Establish alignment before strategy. We begin by understanding what matters most — your personal goals, business realities, values, and decision-making style. This stage ensures philosophical alignment and helps determine whether working together is the right fit for both sides.

2. Design

Purpose: Thoughtful planning, not off-the-shelf solutions. Based on discovery, we design a coordinated financial plan that integrates business and personal considerations. This includes outlining strategy, priorities, and how different planning elements work together.

3. Deliberate

Purpose: Encourage informed, pressure-free decisions. We encourage prospective clients to take time — typically one to three weeks — to review the proposed plan, reflect on the recommendations, and come back with thoughtful questions. There is no pressure to proceed. Good decisions benefit from space and clarity.

4. Deploy

Purpose: Confident execution with structure. Once the plan is accepted, we move into implementation. Engagement letter is signed, onboarding is handled efficiently, coordination with other professionals begins, and strategies are deployed according to the agreed-upon plan. This marks the start of an ongoing planning relationship — not a one-time transaction.

Our process is designed to protect clients from rushed decisions, misaligned strategies, and fragmented advice — while creating clarity and confidence at every step.

What People Say
“After meeting Ben I quickly realized the value he provides! He thinks outside the box, has proven strategies that increase attraction and retention of talent, and goes beyond what is expected in service. What sets Ben apart is the fact that he looks to educate his partners, not just transact with them.”
Kelly Maniateas
CEO, Integrative Coaching Solutions
"For the past 5 years, I've had the pleasure of working with Ben both for my company and personally. He is extremely knowledgeable, has great energy, very positive, forward thinking and just amazing all around! My employees and I want to say thanks for all the work you do. I look forward to many more years of working together. I highly recommend Ben."
Joel Davis
President, DC United Roofing Barrie
“I recently had the opportunity to refer a valuable and long serving client to Ben for employment benefits. I knew that my client would benefit greatly from an introduction to Ben given his ability to come up with a high value solution that caters to the needs of smaller employers at a competitive price.”
Chad Hunt
CPA, Burlington
"Ben is extremely knowledgeable and provides clear explanations of complex financial concepts. One thing that sets Ben Jacobs apart from other financial advisors I've worked with in the past is his dedication to his clients. He genuinely cares about his clients' financial success and is always looking for ways to help them improve their financial situation.”
Michael Paul
Owner, Eleven Real Estate Group
“Ben is a knowledgeable and dedicated financial specialist and educator focused on partnering with Entrepreneurs & Corporate Teams to retain their talented employees. He expertly guides both parties through a hands-on education and dialogue, strategically leveraging the positives of the group benefit options best for the company and employees.”
Lori McNeil-Chong
CEO, MC Design Group Interiors
“Last year I was overwhelmed with the process of putting in place group benefits for my team. Not only did Ben help me find a solution, but he met one-on-one with each employee and set them up with a package that suited their own individual needs. Ben was a pleasure to work with and I look forward to our continued future business relationship.”
Renee Langendoen
CEO, 2Gals Pro Painting
Our Team

Ben Jacobs, MA

CEO Founder, Advisor

Ben is the founder and lead advisor of the firm, which was started in 2016. Ben brings a wealth of knowledge in finance and business. Ben’s first career was in sport marketing and sponsorship.

Ben holds an Honors Bachelor’s Degree in Business (Sport) Management & Master of Arts in Governance, both from Brock University. 

Ben is in progress of completing the Certified Financial Planner designation (June 2026 expected finish)

Katie Atkins, MA

Client Experience Manager

Katie is the heart of our firm, coming from an extensive background working with people and managing community support programs for many NFPs. 

Katie holds an Honours Bachelor’s & Master of Arts in Child & Youth Studies, both from Brock University.

Dan McCulloch, BA

Licensed Assistant

Dan supports the firm with investment processing tasks. He is a registered representative with CIRO and a licensed insurance agent with FSRA. Dan has been licensed since 2018. 

Dan holds a Bachelor’s Degree in Accounting from Brock University.

Marc Brajak

Admin Assistant

Marc provides administrative support for the firm, from data entry to implementation follow-ups. Marc has substantial experience in administrative roles and has formerly held investment and insurance licenses.

Marc holds a Diploma in Marketing from Sheridan College.

Let's connect for a call.

Please give us a bit of background on your financial situation before we reach out with the meeting booking link.

OnePlan Business Centre,
5063 North Service Road, Suite 200,
Burlington, ON, L7L 5H6

connect@benjacobs.ca

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DISCLOSURE: The contents of this website does not constitute an offer or solicitation for residents in the United States or in any other jurisdiction where either Ben Jacobs and/ or Sterling Mutuals is not registered or permitted to conduct business. Mutual funds provided through Sterling Mutuals Inc. Commissions, trailing commissions, management fees and expenses all may be associated with mutual fund investments. Please read the prospectus carefully before investing. Mutual funds are not guaranteed, their values fluctuate frequently and past performance may not be repeated.

Insurance products, and other related financial services are provided by Ben Jacobs as independent insurance agents, and are not the business of, or monitored by Sterling Mutuals Inc.

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