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Human Resources

  • Change Management
  • Performance Management
  • Training & Development
  • Employee Relations
  • Process Improvement
  • Recruitment & Retention
  • Legal Compliance

These services are offered by Facet Advisors Inc. 

Quick Tips

Financial Planning

Improve the value of your business by preparing it for sale or transition; plan for it today even if you are not thinking of selling it.
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Tax

If you borrowed funds to purchase real estate from which you’ll earn income, the interest expense is deductible, unless the real estate is vacant land.
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Financial Planning

Use life insurance products to protect your family and the value of your estate.
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Tax

Save taxes with tax-free savings accounts.
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Tax

Review your business activities to see if they qualify for the Scientific and Experimental Development tax credit.
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Tax

A single person can claim a tax credit for a dependent child, grandchild, sibling, parent or grandparent.
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Business Management

Review your business to take advantage of all government training grants available.
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Tax

Review the allocation of investments between your RRSP and non-registered investment accounts to ensure investments are being held in the most tax advantageous manner.
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Tax

Use the advantages of the low corporate tax rate on active business income to defer taxes.
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Business Management

Make sure that you have a great bookkeeper.
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Tax

Income splitting pensions can reduce taxes.
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Business Management

Consider setting up a Board of Advisors for your business.
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Business Management

Make sure that your electronic data is backed up regularly and stored offsite.
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Debt Management

Businesses should match the repayment terms of debt to the life of an asset to avert liquidity problems.
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Financial Planning

Compare your monthly income needs to long-term disability coverage.
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Tax

Snowbirds, note: A second home or cottage is regarded as personal-use property if used primarily by the taxpayer or a relative (or beneficiary).
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Debt Management

Get out of non-tax deductible debt as quickly as possible.
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Financial Planning

Create a retirement and wealth creation plan as early as possible with the help of your investment professional.
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Tax

Use life insurance products to transfer wealth tax effectively to the next generation.
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Business Management

Incorporate a holding company to help manage your business risks.
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Financial Planning

Review and update your Will every two years or when situations in your life change.
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Debt Management

Take advantage of low interest rates to refinance and reorganize your debt.
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Debt Management

Where possible, seek financing options that are not due on demand.
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Debt Management

If possible, utilize financing options that calculate interest on net borrowings by offsetting cash balances that you may have against your debt.
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Debt Management

Avoid carrying balances on credit cards.
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Tax

Utilize an Employee Health Services Plan in your business to reduce the after-tax cost of your medical expenses.
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Business Management

Review all guarantees on a regular basis to ensure that, where possible, they are reduced regularly.
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Tax

Get your tax returns to your accountant early for timely filing.
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Tax

Reduce taxes by donating stock with capital gains to your favourite charity.
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Financial Planning

Compare the after-tax returns for each investment rather than the before-tax returns.
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Business Management

Don’t make a business decisions based solely on tax consequences.
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Tax

Combine donations made by both spouses onto only one tax return to maximize the tax benefits.
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Tax

If you stayed home to raise young children, apply for the Child Rearing Drop-out when you apply for any CPP benefits.
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Business Management

Use accounting software to compare your business performance to your budget.
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Tax

If your business is not incorporated, you can write off business losses against other income.
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Debt Management

All things being equal, repay any debt with the highest interest rate first.
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Tax

Contribute to your RRSP early to maximize tax deferred growth.
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“As a customer, we have been impressed and delighted with the outstanding customer service Facet has provided. Facet is all about delivering services that make a difference for its clients so we see more of our hard earned dollars. No matter who we are dealing with, we find the company is responsive, respectful and friendly. They take the time to understand our needs and explain things simply and practically. As a small business we also appreciate how easy it is to access them for advice when we need it.”

—Catherine Ducharme
Outsidein Communications

In the Community

Giving back is how we help keep the cycle of wealth moving. Read more »

Local Perspective. Global Reach.

If you travel or do business outside of Canada our affiliation with The Leading Edge Alliance means we can take care of your business wherever you are.

Contact Us

If you'd like to talk to someone about our business and services, please call Darren Millard at

+1 604 534 3004