As an executive, you face financial challenges that go far beyond a standard paycheque. Complex compensation structures, stock options, bonuses, and taxable benefits add layers of complexity to your financial life. At Scepanovic & Associates, we specialize in simplifying these complexities, creating personalized financial plans that align your career success with your long-term financial goals.

Our approach is built on lasting relationships. We've worked with many executives through career transitions, promotions, and retirement—and as their needs evolve, our strategies adapt. Whether you're focused on maximizing earnings now or protecting wealth for future generations, we're here to help you build a plan that reflects your ambitions.

Key considerations for executive wealth management

Securing your financial future starts with a comprehensive plan that balances your income, investments, and retirement strategy. At Scepanovic & Associates, we focus on these key areas to help you protect and grow your wealth:

  • Maximizing complex compensation

    Executive compensation packages can be rewarding—but they often come with intricate tax implications and strategic opportunities. We help you navigate:

    • Stock options and equity plans to ensure you're minimizing tax exposure while maximizing gains
    • Deferred compensation plans to align payouts with retirement goals and minimize tax burdens
    • Bonuses and performance incentives with strategies to reduce taxable income and build long-term wealth 
  • Tax optimization strategies

    High-income earners are often taxed at the highest rates. We build strategies that reduce your tax burden while ensuring you retain more of what you’ve earned. Our tax planning solutions include:

    • Leveraging income splitting to reduce your household’s overall tax rate
    • Maximizing RRSP and TFSA contributions to shelter growth from taxation
    • Coordinating charitable donations, retirement savings, and corporate structures for optimal tax efficiency

    With proactive planning, we help you manage cash flow, defer taxes where possible, and ensure your earnings are protected from unnecessary tax loss. 

  • Retirement planning on your terms

    For many executives, retirement doesn’t mean simply stopping work—it’s about creating flexibility and options. Whether you envision stepping back early, transitioning to advisory roles, or continuing to build wealth into retirement, we develop strategies that adapt to your plans.

    Our retirement planning includes:

    • Creating sustainable, tax-efficient income streams
    • Timing pension withdrawals, RRIF payments, and other retirement income sources to reduce tax liability
    • Designing a plan that supports your lifestyle while ensuring your wealth lasts
  • Investment planning for long-term growth

    As an executive, your investment strategy must account for both opportunity and risk. We tailor your portfolio to align with your financial goals while ensuring it’s flexible enough to support career changes, unexpected expenses, or early retirement.

    Our investment strategies include:

    • Diversifying assets to reduce concentration risk (especially for executives holding large amounts of company stock)
    • Incorporating tax-efficient investment vehicles to preserve more of your returns
    • Regular reviews to ensure your investment strategy aligns with your evolving financial needs 
  • Legacy and estate planning

    Your career success isn’t just about what you build—it’s also about what you leave behind. We create estate strategies that:

    • Protect your wealth from excessive taxes and fees
    • Ensure your assets are distributed according to your wishes
    • Provide clear instructions to reduce family disputes and administrative stress

    Whether you're passing down wealth to family or supporting charitable causes, we build strategies that protect your legacy. 

Why executives trust Scepanovic & Associates

Personalized planning for executive wealth

We understand the complexities of executive compensation and tailor strategies to match your financial goals. 

No sales pressure, no quotas

our guidance is always focused on what’s best for you—not product sales or institutional targets. We build customized strategies without pressure. 

Long-term support and relationships

Executive wealth management isn’t a one-time plan—it’s an ongoing process. As your career evolves, we adapt your plan to ensure your financial goals stay on track.