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I provide unique services to business owners. I am an independent Life and Health Insurance Advisor, but unlike others I specialize in business strategies. My clients want to cover health risks, and want all their insurance premiums back if they don't make a claim, and they want to tax deduct as much as possible.

I am passionate about eliminating income tax.

I address business owners risk management with tax efficient tools like life and health insurance with a specialty in Corporately Owned Life Insurance and Group Benefits. I focus on minimizing the cost and administration of insurance, and sometimes we can completely zero out the cost of the insurance with return of premiums and tax savings.

I love setting up structures for tax-free retirement income. I have the tools to get money out of corporations to owners and their key employees tax-free.

I work with tax lawyers, accountants and other professionals to get the best structure for each person’s business and personal situation.

Specialties:
Executive Benefits
Employee Group Benefits
Tax Sheltering Corporate Earnings
Corporate Life, Disability, and Critical Illness Insurance
Personal Life, Disability, and Critical Illness Insurance

Originally Ross Macfarlane Financial Services (formerly Wealth Initiatives) was set up to offer Guaranteed Tax Free financial strategies for business owners and employees because it's not what you make! It is what you Keep!