Team of Corporate Advisors
1) Payam Ala'i: Financial Advisor, Associate Degree BCIT School of Business
LLQP Licensed, Past (CSC, CPH)
Founder/Advisor at Ala'i Risk Management & Investments
i) Ways to - tax shelter Withdrawals from your Company
ii) Corporate Tax Efficient Risk Mitigation Strategies
2) Alex Fariborz Akhavan
Senior Financial Advisor, BComm (Accounting)
Ways to - tax shelter Withdrawals from your Company, accumulate tax-sheltered funding within your Company for
retirement or succession.
Insurance and investment broker with expertise in Tax Free Retirement Income planning, Risk management and Estate
planning. Helping individuals, families, and corporate business owners to protect their income, accumulate wealth, and
Alex has been a Qualifying and Life member of the prestigious Million Dollar Round Table for more than
14 years, and also has been qualifying as a Court of the Table Member of MDRT. Previously, he remained one of top
producers of RBC Insurance across Canada for 18 consecutive years. He has also been a recipient of the National
Quality Awards for over 15 years and a member of Advocis, a leading industry association.
3) Micheline Varas BA, RHU, RFC, EPC, GBDS, CEA, CHS
Micheline works in conjunction with several insurers, their respective underwriters (and reinsurers) and is a consulting
resource to advisors, institutions, HNW and corporate clients. She has grown her practice and that of others by
focusing on intellectual interplay, the collaboration of specialist expertise. She structures creative, cost and tax effective
risk mitigation strategies for clients and plays an integral role in achieving solutions for those deemed
difficult to insure.
Micheline was the first recipient of the GBDS (Group Benefits Disability Specialist) designation in Canada and a
founding moderator of the Canadian Initiative for Elder Planning Studies. A Top of the Table (MDRT) member, Micheline
has penned industry and non-industry publications, held training and educational events, and spoken at international
congresses (inclusive of The Million Dollar Round Table and Top of the Table conferences). She was
named one of 50 Women of Influence in Canada’s insurance industry in 2014.
4) Irvin Lim
Senior Private Banker with BMO Private Wealth
How Corp. owned life insurance can be put as collateral to open a LOC equivalent to 50% - 90% of the policy's
CV (Cash Value), advantages of having a personal banker, and who should have one.
Irvin has been a Senior Private Banker at BMO Private Wealth for just over 1 year however previously worked over 5 years at Manulife Private Wealth as a Director of Wealth Banking with their Private Banking division finding success working with independent financial advisors in the Insurance and National Account channels on insurance leverage (IFA/CSV LOC) and other complex lending strategies. In addition Irvin also brings almost 20 years of experience in the banking industry working in the high net worth and health care professional space.
Irvin is currently studying for his MBA (International Finance) at the Edinburgh School of Business.
World Finance: Best Private Bank, Canada 2019 - BMO Private Banking
Global Finance: Best Private Bank Award 2020
Every corporation has its CPA or/and tax lawyer. Once a corp. case reaches a certain point our CPAs
or/and tax lawyers, experts in corporate insurance taxation will step forward. They'll provide your tax advisors
with booklets specifically designed for them. From there, they will work with your tax advisors designing
best custom made corp. strategies.
If you have an incorporation outside BC, we collaborate with a financial advisor licensed in most
provinces. She flies all over Canada having discussions for corporarte risk mitigation solutions.
As financial advisors, we will be talking about insurance tax. This is passing information only, not considered tax advice.
Our concepts are sold to corporations, only after their accountant or/and tax lawyer approve them.
We do business the old-fashioned way - by word of mouth
Please introduce us if you are satisfied with our services
Cash Flow & Risk Mitigation Solutions for Corporations