Education first financial planning, Ontario
Wealth Champions is an education first financial practice for business owners, incorporated professionals, and families building wealth across Ontario. Led by Sean Leduc from Carleton Place, by phone and video, with clarity before decisions and no pressure at any step.
Book a Free Conversation Call 613-983-3029
Conversations are educational and exploratory. You decide what happens next, and when.
Reach out during working hours (9:00 AM to 9:00 PM Eastern) and you will hear from Sean within 2 hours. Reach out after hours and you will hear from Sean within 2 hours of the next working period.
For Business Owners
Your business is likely your largest asset, and also the income, identity, and security for your family and your team. Planning for what is next, for the business and for you personally, works best when the corporate and personal sides are considered together.
Most financial questions do not sit in one neat box. An owner may be thinking about the company, the team who helped build it, and the family waiting at home, in the same decision. Wealth Champions was built for that overlap: education first, so you understand how the pieces fit together before you choose a path.
Stage One
Your focus is building: revenue, your team, and the value of what you own. This is where corporate planning starts, including how you pay yourself, how money moves between the business and your family, and how corporate and personal investing fit together.
Stage Two
Whether the next chapter is a family transition, a sale to a third party, or a gradual step back, the planning is clearest when it starts early. Succession, the taxes on the way out, and what the proceeds will need to do for your family all belong in one conversation.
Stage Three
The business is sold, or the work has wound down, and the question changes: how does what you built turn into income and security for the rest of your life? Retirement income, estate planning, and protecting your family deserve the same care as the building years.
Learn how business owners in Canada think about holding and investing inside a corporation, drawing income, and coordinating corporate assets with personal plans for retirement and family security. The focus is on understanding your options and the questions to work through with your accountant and lawyer.
Whether the next chapter is a family transition, a sale to a third party, or a gradual step back, succession raises financial, tax, and human questions. Learn the common paths owners consider, how life insurance is sometimes used to fund transitions and balance interests among family members, and how to start the conversation early enough to keep choices open.
Your people take care of your business, and a thoughtful benefits plan is one way to take care of them. Learn what group benefits can include, how plans are structured for small and growing teams in Ontario, and what to consider on cost, coverage, and retention, so you can compare options with clear eyes.
You built something that matters. Planning for its next chapter, and yours, deserves the same care you put into building it.
For Families
You do not have to think of yourself as wealthy to belong here. If you are married or partnered, own your home, are raising kids, and are building wealth step by step, you are exactly who the name Wealth Champions speaks to: champions at building, protecting, and passing on what you are creating.
Together we build a clear picture of the full practice, in plain language: protection for the people who count on you, investments across registered and non-registered accounts, Registered Education Savings Plans (RESPs) for the kids, Tax-Free Savings Accounts (TFSAs), Registered Retirement Savings Plans (RRSPs), First Home Savings Accounts (FHSAs) where they fit, and the estate basics that keep a growing plan organized. Education first, so every decision is one you understand.
Building wealth is a long game, played one good decision at a time. You deserve guidance that respects where you are and where you are headed.
A Wealth Champions Spearhead
One area where Wealth Champions goes deeper than most practices: families whose estate planning includes a loved one with a disability. It takes planning that understands both the financial tools and the benefits and supports your loved one may rely on, and Sean brings trusted, disability informed expertise from his flagship practice to this work.
Learn what a Henson trust is, how it is commonly used in Ontario estate planning for a beneficiary with a disability, and why the wording and choice of trustee matter. We talk through questions to bring to your lawyer, so your legal documents and your financial plan tell the same story.
When one child may need lifelong support and others do not, equal does not always mean fair, and fair does not always mean equal shares. Learn approaches families consider to balance inheritances, support lifetime needs, and keep family relationships strong, and how life insurance is sometimes used as one tool in that balancing conversation.
The Registered Disability Savings Plan (RDSP) is one piece of a larger puzzle. Learn how the RDSP fits alongside trusts, your own retirement plans, and your estate, including contribution timing, government grants and bonds in general terms, and coordination across generations such as contributions from parents and grandparents. Education here focuses on how the RDSP works at a family level, not on a one size recommendation.
Every family story is different. The goal is the same: confidence that your loved one will be supported, respected, and included in the plan, long after you are gone.
Services
Wealth Champions focuses on education and planning conversations in the areas below. Recommendations, if any, come only after a full conversation about your situation, and only within a proper client relationship. This page is educational only.
How money grows inside your personal accounts and inside your corporation, explained in plain language.
How registered and non-registered accounts in Canada fit together, how corporate and personal investing differ, and how to think about diversification, time horizon, and family goals across accounts.
The decisions that connect your business, your taxes, and your estate, worked through before you have to make them.
How owners prepare for transition, protect the value they have built, and coordinate the business plan with the family plan.
How wills, trusts including Henson trusts, beneficiary designations, and insurance fit together, and how to prepare for productive conversations with your lawyer and accountant. Legal and tax advice stays with your lawyer and accountant.
How the RDSP and the Disability Tax Credit work in general terms, how they connect to trusts and estate plans, and where to get official information from the Canada Revenue Agency.
Coverage and benefits that protect the people who count on you today, and the plan for what you leave behind.
The roles life insurance can play in family protection, estate equalization, and business succession, including term and permanent coverage in general terms, and how business owners and families assess how much coverage fits their plans.
How group benefits plans work for Ontario employers, what employees tend to value most, and how to review an existing plan or consider a first plan.
Note: Sean does not provide legal or tax advice. Where legal documents, tax filings, or accounting advice are needed, you will be encouraged to work with qualified legal and accounting professionals, alongside this practice.
About
Sean Leduc is a Canadian financial professional based in Carleton Place, Ontario. He serves clients across Ontario by phone and video.
Sean is the founder of The Inclusion Strategist, his education first financial practice at seanleduc.ca, and of Wealth Champions, his premium practice for business owners, families building wealth, and families whose planning includes a disabled family member.
Outside his practice, Sean is the founder of U.N.I.T.E., a volunteer charity that supports people with disabilities in community sport and events.
His approach is simple: education first, compassion always, and no pressure. You bring your questions and your goals. He helps you understand your options, one step at a time.
Wealth Champions is a premium practice of Sean Leduc, also the founder of The Inclusion Strategist.
Call Sean at 613-983-3029 or email sean@wealthchampions.ca.
How We Are Built
Wealth Champions is an independent practice. It is not a bank, and it is not tied to one company or one shelf of products. The conversation starts with your situation, and the education comes before any product is ever discussed.
Education and planning are the work here. When clients choose to put a plan in place, the practice is compensated through the financial products they select. That is how the first conversation can stay free, with no invoice and no obligation, and why there is never pressure to proceed.
You work with a named person, Sean Leduc, not a call centre or a rotating desk. Families plan across decades, and this practice is built to be there for the long term: the person who helps you build the plan is the person in your corner as life changes.
The Process
Choose a time that suits you through the booking link or call 613-983-3029. The first meeting is 30 minutes, by phone or video.
We talk about your family, your business if you have one, what you have in place, and what is on your mind. You will not be asked for banking details, health records, or sensitive personal identification in this first conversation.
Sean walks through the concepts that apply to your situation, the trade offs to consider, and the questions to take to your lawyer or accountant where needed. You get time to think. There is no requirement to decide anything in the meeting.
If it makes sense to continue, you agree on clear next steps together. If another professional or resource is the better fit for a question, Sean will say so plainly.
Families grow, businesses evolve, and laws and benefits change. Ongoing reviews help keep your plan aligned with the people and goals it is meant to protect.
Ready when you are. Book your free conversation
Reach out during working hours (9:00 AM to 9:00 PM Eastern) and you will hear from Sean within 2 hours. Reach out after hours and you will hear from Sean within 2 hours of the next working period.
Questions
Yes, the first conversation is free, and there is no obligation to continue. Its purpose is education and getting to know each other. You decide if and how you would like to proceed after that conversation.
Wealth Champions is for Canadians in Ontario who want education first planning with extra depth. It leads with business owners and incorporated professionals working through corporate planning, succession, and group benefits, and with families building wealth: married, homeowners, raising kids, and growing what they have built. It also goes deeper for families whose estate planning includes a disabled family member, including Henson trusts, estate equalization, and RDSP strategy. If your situation is simpler, the flagship practice at seanleduc.ca may be the better starting point, and Sean will guide you to the right place.
No. This website is educational only and is not financial advice. The first conversation is educational and exploratory as well. Any personal recommendation would only be considered later, within a proper client relationship, after your full situation is understood.
Very well. This practice does not replace your lawyer or accountant. Sean helps you understand the financial planning pieces, including RDSP, insurance, and investment concepts in general terms, so your conversations with your legal and tax professionals are more focused and productive. With your permission, planning can be coordinated across your team.
Sean is based in Carleton Place, Ontario, and the practice is home based with no physical office to visit. Meetings are held by phone or video with clients across Ontario, at times booked through the booking link or arranged by phone at 613-983-3029.
Resources
Free, educational, and built for Ontario. Run the numbers yourself, read the comparisons in plain language, and check your plan for gaps. When you are ready to talk any of it through, the booking link is on every page.
How an Ontario owner manager gets paid, compared side by side: payroll and CPP, RRSP room, and the tax treatment of each route.
Enter the amount available for your pay and see estimated total tax and after tax cash for all salary, all dividends, and a blend.
The three registered accounts compared: room rules, tax treatment going in and coming out, and withdrawal rules.
What changes when investments sit inside your corporation: passive income tax rates, refundable taxes, and the small business deduction grind.
Project your savings to retirement and estimate a sustainable annual income to age 90, in today's dollars.
Seven questions for business owners. See which areas of your plan are worth a closer look: tax, succession and exit, estate, and protection.
You don't have to figure this out alone. I'm here to help you through every step.
Reach out during working hours (9:00 AM to 9:00 PM Eastern) and you will hear from Sean within 2 hours. Reach out after hours and you will hear from Sean within 2 hours of the next working period.
Whether you are carrying big questions about the next chapter for your business, your family's future, or your loved one's security, start with one calm, educational conversation. No pressure, and no sales pitch. Just clarity on where you stand and what your options could be.