Chad Darbyshire - CI Assante Wealth Management

Chad Darbyshire - CI Assante Wealth Management Wealth Management Advisor at CI Assante Wealth Management Managing your wealth means far more than managing your investments.

To properly grow and protect your wealth takes a caring manor, and an integrated approach. It is not just about where you are today but where you want to be. Although our strategies can sometimes be complex, the way we explain it is not.

Do you ever catch yourself saying...👉 "I've still got plenty of time."Most Canadians do....But here's the reality:Time d...
06/25/2026

Do you ever catch yourself saying...

👉 "I've still got plenty of time."
Most Canadians do....But here's the reality:

Time doesn't solve financial problems.
It simply magnifies the direction you're already heading.

A good plan gets stronger with time.
A weak plan becomes more expensive.

If you're approaching retirement, don't assume everything will work itself out. A small adjustment today can make a huge difference years from now.

Watch this short video and let me know—have you ever delayed a financial decision because you thought you had more time?

Let's connect:
👉 Retirement Reality Check: https://form.typeform.com/to/lSIpcQwD
👉 Book a Meeting: https://oaktreeandassociates.ca/contact-4



https://youtube.com/shorts/48JHw1CdzUY

Most Canadians think they have more time to get their retirement pl...

🚨 One of the biggest retirement mistakes Canadians make has nothing to do with investing.It's assuming there's still ple...
06/23/2026

🚨 One of the biggest retirement mistakes Canadians make has nothing to do with investing.

It's assuming there's still plenty of time.

The truth is that time doesn't solve financial problems—it magnifies them.

A strong plan gets stronger.
A weak plan becomes more difficult to fix.

In this week's video, I explain why waiting can quietly cost you money, flexibility, and peace of mind, and what you can do to make sure time is actually working in your favour.

Let's connect:
👉 Retirement Reality Check: https://form.typeform.com/to/lSIpcQwD
👉 Book a Meeting: https://oaktreeandassociates.ca/contact-4



https://youtu.be/wp0_kZhWueo

Many Canadians assume they have plenty of time to figure out retire...

This Mistake Could Cost You $1,000,000Business owners...Quick question.If someone offered to buy your business tomorrow....
06/17/2026

This Mistake Could Cost You $1,000,000

Business owners...

Quick question.

If someone offered to buy your business tomorrow...

Are you absolutely certain you'd qualify for the Lifetime Capital Gains Exemption?

Many owners assume they will.

Unfortunately, some discover too late that excess cash, passive investments, shareholder loans, or poor corporate structure have created a major tax problem.

And when a deal is already on the table, there may not be enough time to fix it.

The scary part?

A preventable mistake could cost hundreds of thousands—or even more than $1 million—in unnecessary tax.

I just released a new video discussing one of the biggest tax traps I see business owners walk into.

Many Canadian business owners assume they'll qualify for the Lifeti...

This Mistake Could Cost You $1,000,000Business owners...Quick question.If someone offered to buy your business tomorrow....
06/16/2026

This Mistake Could Cost You $1,000,000

Business owners...Quick question.

If someone offered to buy your business tomorrow...

Are you absolutely sure you'd qualify for the Lifetime Capital Gains Exemption?

Many owners assume they will.

Unfortunately, some discover too late that excess cash, passive investments, shareholder loans, or poor corporate structure have created a major tax problem.

And when a deal is already on the table, there may not be enough time to fix it.

The scary part?

A preventable mistake could cost hundreds of thousands of dollars in unnecessary tax.

I just released a new video discussing one of the biggest tax traps I see business owners walk into.



Many Canadian business owners assume they'll qualify for the Lifeti...

The Hidden Tax Bill Inside Your CorporationMany Canadian business owners look at the retained earnings inside their corp...
06/11/2026

The Hidden Tax Bill Inside Your Corporation

Many Canadian business owners look at the retained earnings inside their corporation and assume that's their retirement money.

But there may be a significant tax bill attached to every dollar.

One of the biggest planning mistakes I see is business owners confusing corporate wealth with personal wealth.

Tax deferral can be powerful, but it is not tax elimination.

👉 Before retirement, it's important to understand:
How retained earnings are taxed when withdrawn
The difference between corporate and personal wealth
Dividend and salary withdrawal strategies
OAS clawback considerations
RRSP and RRIF coordination
Estate planning implications
Lifetime Capital Gains Exemption (LCGE) opportunities
Purification planning before a business sale

The goal isn't just building wealth inside your corporation. The goal is maximizing what you actually keep after tax.

If you're a Canadian business owner with significant retained earnings, this is a conversation worth having.

I'm Chad Darbyshire, Wealth Management Advisor for over 18 years with CI Assante Oaktree & Associates. I help Canadian business owners reduce tax, invest wisely, and retire with confidence.

Let's connect:
👉 Retirement Reality Check: https://form.typeform.com/to/lSIpcQwD
👉 Book a Meeting: https://oaktreeandassociates.ca/contact-4
👉 Email me [email protected]



https://youtube.com/shorts/00ZbQPqwLfk

Most business owners set up a Holdco for the right reasons—but many...

That $2 Million In Your Corporation Isn't Yours.Quick question-If you have $2 million sitting inside your corporation to...
06/09/2026

That $2 Million In Your Corporation Isn't Yours.

Quick question-If you have $2 million sitting inside your corporation today...How much of it is actually yours?

Most owners know they've paid corporate tax.

What many don't realize is there's often a second layer of tax waiting when that money is eventually withdrawn personally.

That hidden tax bill can affect retirement income, OAS clawback, estate planning, business sales, and even how much your family ultimately receives.

The scary part?

Many owners don't discover the problem until retirement, a business sale, or death—when their planning options are limited.

Have you ever calculated what your retained earnings are actually worth after personal tax?

I'm Chad Darbyshire, Wealth Management Advisor for over 18 years with CI Assante Oaktree & Associates. I help Canadian business owners reduce tax, invest wisely, and retire with confidence.

Let's connect:
👉 Retirement Reality Check: https://form.typeform.com/to/lSIpcQwD
👉 Book a Meeting: https://oaktreeandassociates.ca/contact-4
👉 Email me [email protected]



https://youtu.be/bp4dZjUjInc

Many Canadian business owners look at the retained earnings inside ...

Your Holdco Could Cost You ThousandsMost business owners set up a Holdco for the right reasons—but many don't understand...
06/04/2026

Your Holdco Could Cost You Thousands

Most business owners set up a Holdco for the right reasons—but many don't understand the tax traps that can come with it.

In this short, I cover some of the biggest Holdco mistakes involving passive income, corporate investing, the Capital Dividend Account (CDA), the Lifetime Capital Gains Exemption (LCGE), and more.

Watch the full video on my channel to learn how these rules can impact your wealth, taxes, and business succession plans.

đź“‹ Take the Retirement Reality Check:
Retirement Reality Check: https://form.typeform.com/to/lSIpcQwD



https://youtube.com/shorts/00ZbQPqwLfk

Most business owners set up a Holdco for the right reasons—but many...

The Hidden Holdco Tax Trap Most Business Owners MissMany Canadian business owners set up a holding company to protect as...
06/02/2026

The Hidden Holdco Tax Trap Most Business Owners Miss

Many Canadian business owners set up a holding company to protect assets, invest surplus cash, and improve tax efficiency. But what many don't realize is that a Holdco can create serious tax problems if it's not managed properly.

In this video, I explain one of the biggest Holdco mistakes Canadian business owners make and how passive investment income can impact your small business tax rate.

You'll learn:
How Holdcos work in Canada
When a Holdco becomes risky
The passive income rules business owners need to know
How the Small Business Deduction can be reduced
Tax planning strategies to help avoid costly surprises
Common mistakes I see business owners make

If you're a Canadian business owner with a corporation, Holdco, or investment company, this is information you need to understand before it's too late.

I’m Chad Darbyshire, Wealth Management Advisor for over 18 yrs, and every week I release videos like this to help Canadians reduce tax, invest wisely, and retire with confidence.

👉 Retirement Reality Check: https://form.typeform.com/to/lSIpcQwD
👉 Book a Meeting: https://oaktreeandassociates.ca/contact-4
👉 Email me [email protected]

https://youtu.be/bnZVGmxaoPA

Do you have a Holdco?Many Canadian business owners set up a holdi...

Think Financial Plans Are Only For The Rich-Don't Make This MistakeMost Canadians believe financial planning is only for...
05/29/2026

Think Financial Plans Are Only For The Rich-Don't Make This Mistake

Most Canadians believe financial planning is only for wealthy people. That's one of the biggest retirement mistakes you can make. Whether you're approaching retirement or already retired, having a plan can help reduce taxes, avoid costly mistakes, and create more confidence about your future.

Watch the full video on my channel for the complete strategy.

Stop guessing your retirement. Complete the Retirement Reality Check or book in a call. We'll get back to you!

👉 Retirement Reality Check: https://form.typeform.com/to/lSIpcQwD
👉 Book a Meeting: https://oaktreeandassociates.ca/contact-4



https://youtube.com/shorts/MGJhiTl2WVs

Most Canadians believe financial planning is only for wealthy people. That's one of the biggest retirement mistakes you can make. Whether you're approaching ...

Most Canadians Have NO Retirement Plan-Here's How To Fix It.Retirement Planning Isn't Just For Wealthy Canadians.Most Ca...
05/28/2026

Most Canadians Have NO Retirement Plan-Here's How To Fix It.

Retirement Planning Isn't Just For Wealthy Canadians.

Most Canadians believe financial planning is only for wealthy people with millions invested. That’s a dangerous myth.

The truth? The people who build wealth and retire comfortably usually have a PLAN long before they become wealthy.

In this video, I break down:
Why financial planning matters even if you’re not rich
The biggest mistakes Canadians make without a plan
How taxes, retirement income, investments, and cash flow all work together
Why “hoping it works out” can cost you hundreds of thousands over time
Simple planning strategies Canadians can start using today

Too many people think they need millions before they deserve professional advice. In reality, having a proper financial plan may be the thing that HELPS you build wealth in the first place.

If you’re a Canadian retiree, business owner, or professional trying to make smarter financial decisions, this video is for you.

I’m Chad Darbyshire, Wealth Management Advisor for over 18 yrs, and every week I release videos to help Canadians reduce tax, invest wisely, and retire with confidence.

đź“© Let's connect! Email me, I’ll personally reply. 👉 [email protected]

Stop guessing your retirement. Complete the Retirement Reality Check or book in a call. We'll get back to you!
👉 Retirement Reality Check: https://lnkd.in/eS_N5Zti
👉 Book a Meeting: https://lnkd.in/eyRhszWE
👉 Our Website: https://lnkd.in/ejDPtnDh



https://youtu.be/GdRzR-44Cfg

Retirement Planning Isn't Just For Wealthy Canadians.Most Canadia...

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