Couillard Group Inc.

Home
Canada
Calgary, AB
Couillard Group Inc.

Directions Website

Couillard Group Inc. is an independent planning and wealth advisory firm that helps entrepreneurs and professionals define and protect their legacy.

09/29/2026

If you have employees over 65, an important change is coming to your benefits plan on October 1.

Under Alberta’s Bill 11, employer-sponsored/private plans will become the first payer for certain prescription drug and extended health claims when an employee also has eligible government-sponsored coverage.

For employers, that matters.

It could mean increased claims exposure for employees age 65+ and may impact the long-term cost of your benefits plan.

The legislation also means actively working employees can no longer lose or have certain drug and extended health benefits reduced simply because of their age.

So, what should Alberta employers be asking?

- Do we have actively working employees over 65?

- Does our plan have age-based termination provisions for affected benefits?

- How could becoming first payer affect our plan experience and future costs?

- Does our current plan design still make sense for our workforce?

Benefits plans aren’t something you set up once and forget about.

Your workforce changes. Costs change. Legislation changes.

And your plan needs to evolve alongside them.

With these changes taking effect October 1, now is the time to understand what they mean for your organization.

We’re working with carriers, monitoring additional guidance and helping our clients assess the impact, review their plan design and explore their options.

Send us a message if you have questions.

09/09/2026

When you hear “financial planner,” you probably think investments.

That’s not what we do.

At Couillard Group, our work sits at the intersection of business, family, tax and risk.

We help business owners and families think through questions like:

What happens to my business if something happens to me?
How will tax impact what I’ve built?
Is there enough liquidity to fund that tax, or would assets need to be sold?
How does ownership transition if I’m no longer here?

These aren’t necessarily the questions that feel most urgent today.

But answering them before they become urgent gives you something incredibly valuable: options.

For us, good planning is about creating clarity, protecting what you’ve built, and helping ensure it transitions the way you intended.

09/02/2026

Back-to-school season brings a real mix of emotions for working parents.

The business owner in us feels ready.

Ready for routine. A little more structure. More focused time for the business after a summer of trying to fit work around everything else.

And then there’s the other side.

Wondering how another summer went by so quickly and wishing there were a few more slow mornings, lake days and weeks with the kids still ahead.

It seems as though working parents live somewhere between those two feelings.

Caring deeply about the work you’re building, while also wanting to be present for a season of your children’s lives you know won’t last forever.

There might not be a perfect balance between the two.

Perhaps the goal is to recognize that different seasons require different things from us and give ourselves permission to shift our attention accordingly.

Shifting attention doesn’t mean you’re less committed to your family or your business.

Try not to focus on a perfect balance; focus on building a life where there’s room for both.

08/22/2026

A legacy 50 years in the making.

Our family celebrated Hal and Penny’s 50th anniversary at the lake earlier this month, and something stood out in every toast and story shared.

People talked about their generosity.

Their open door.

The way they’ve always brought people together and made friends feel like family.

The close-knit family they’ve built that genuinely loves spending time together.

And it felt especially fitting to celebrate all of it at the lake.

A place they’ve poured their hearts into for exactly those reasons.

A place to gather. To stay connected. To bring the kids and grandkids together. To always make room for another seat at the table.

This is what legacy looks like for our family.

Not something you leave behind one day, but something you create over decades by living your values so consistently that the next generation starts living them too.

50 years of marriage, a very full table, and so much worth celebrating.

Happy Anniversary, Hal & Penny.

08/12/2026

The best time to plan is when nothing feels urgent.

Because there’s a real luxury in planning before you need to.

You have time to ask better questions.

Explore different possibilities.

Understand the trade-offs.

Change your mind.

And make decisions because they’re right for you, not because circumstances have made them necessary.

One of the greatest advantages of planning early is that you still have options.

Give yourself the time and freedom to make thoughtful decisions before anything feels urgent.

08/05/2026

What if success isn’t another milestone?

What if it’s simply being present enough to enjoy what you’ve already built?

As business owners, it’s easy to focus on what’s next.

But every once in a while, it’s worth pausing long enough to appreciate where you are today.

Some of the best planning doesn’t happen at a desk.

It happens in the moments that remind you why you started building in the first place.  Soak up that slower August pace. September will be here before we know it.

07/29/2026

Summer has a way of reminding us what we’re working so hard to build.

A slower pace.
Coffee on the water.
Long conversations in the sun.
Family time.

Ironically, many of us spend more time planning a week’s vacation than we do planning the future we’re building for the people we love.

Not because we don’t value legacy,

Life just gets busy, and the conversations feel big.

And we always assume there’s more time.

But planning isn’t about expecting the worst.

It’s about making thoughtful decisions while you still have choices.

Creating clarity instead of uncertainty.

So the people you love understand your wishes, feel confident in the future, and can focus on what matters most.

07/23/2026

Business owners spend years building wealth.

But wealth isn’t the only goal they have in mind.

They want time.

The freedom to take a vacation without checking their phone every ten minutes.

The flexibility to coach a hockey team.

The choice to step back from the business when the time feels right.

The ability to say yes to opportunities that matter.

Money isn’t usually the end goal; it’s the tool that helps create the life people actually want.

Which is why financial planning shouldn’t just be about growing wealth; it’s about creating clarity around what you’re working so hard to build in the first place.

Wealth creates options.

And good planning helps you use those options intentionally.

07/17/2026

One conversation shaped the way we think about financial planning.

Early in Jessica’s career, Hal shared something that has become one of Couillard Group’s core values:

“The only reason we’re here is to be of service to people.”

That belief continues to guide every client conversation we have.

Because the only way we can truly be of service is to first understand the person sitting across from us.

Not just their finances.

Their family.
Their goals.
Their values.

The life they’re working so hard to create.

That’s why our first conversations rarely begin with numbers; they begin with questions.

Because before you can build a financial strategy, you have to understand the life it’s meant to support.

That’s what financial planning means to us.

Helping people build a life they’re excited to live, and creating a plan that gives them the clarity and confidence to enjoy it.

yycsmallbusiness

07/13/2026

Stampede is over, and we’re halfway through 2026.

It’s a good time to ask yourself:

What does my version of success look like?

As business owners, we spend a lot of time chasing the next milestone.

The next client.
The next hire.
The next opportunity.
The next revenue goal.

But every once in a while, it’s worth reframing the question.

Instead of asking “What’s next?”

Ask:

“What am I trying to build?”

Maybe success is building a business your children are proud of.

Maybe it’s having the flexibility to coach your daughter’s soccer team.

Maybe it’s creating opportunities for your employees.

Or maybe it’s knowing you’ve built something that will outlast you.

The most effective planning doesn’t start with numbers.

It starts with understanding what success means to you.

Because until you know what you’re trying to build, it’s difficult to build a plan that supports it.

Address

715, 999/8th Street SW
Calgary, AB
T2R1J5

Website

http://www.couillard.ca/

Alerts

Be the first to know and let us send you an email when Couillard Group Inc. posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.

Moraine Wealth Advisory
1920, 407 2 Street SW

Want your business to be the top-listed finance company in Calgary?