At Black Belyea Private Wealth Management, we specialize in financial planning that adapts to your unique life stage and priorities. From business owners navigating complex financial landscapes to retirees seeking security and growth, we are committed to helping affluent Canadians manage their wealth with precision and care. Every strategy we craft places you—and your family—at the centre, ensuring your goals are realized today and preserved for tomorrow.
We have helped clients across a range of needs and goals that include:
Pre-retirees and Retirees
Retirement requires a shift in how you think about and manage your wealth. After years of saving and growing your assets, you’re entering a phase where protection and longevity take centre stage. It’s no longer just about growth—it’s about creating a sustainable, tax-efficient income that supports your lifestyle and preserves your legacy. But that also doesn’t mean you have to stop enjoying your life.
We’ll help you prepare for several key realities:
Longer Lifespans
Outliving your wealth is a genuine concern. Our financial planning ensures your resources can meet the demands of extended retirement years.
Tax Management
Protecting your assets over time requires minimizing tax liabilities through strategic income planning.
Legacy Building
Thoughtful estate planning secures what you’ve built, ensuring it benefits those you care about.
Living in the Now
You’ve worked hard all your life. You deserve to enjoy the fruits of your labour. We’ll show you how to do that without sacrificing your future comfort.
We listen, plan, and guide, so you can look forward to a retirement that feels secure, rewarding, and aligned with your vision.
Business Owners and Entrepreneurs
Your business isn’t just a livelihood; it’s a legacy built through dedication and sacrifice. Balancing the demands of day-to-day operations while planning for your long-term financial goals can be daunting. Whether you’re building wealth within your business or diversifying outside it, our financial planning services offer strategies tailored to your entrepreneurial journey.
We assist with:
Succession Planning
Crafting a roadmap for a smooth business transition, ensuring you maximize the value of your life’s work.
Tax Optimization
Structuring holding companies, leveraging life insurance policies, and implementing tools to limit your tax liability.
Diversified Investments
Building a portfolio outside your business to create income streams for life after ownership.
As entrepreneurs ourselves, we understand the complexities you face and are here to help you protect, grow, and enjoy the fruits of your labour.
Agriculture and Farming Families
Agriculture is a cornerstone of Canada’s economy, but it comes with unique financial challenges. From unpredictable markets to evolving government policies, farming requires resilience—and strategic financial planning. We offer expertise in wealth management tailored to the agriculture sector, helping you balance business demands with long-term financial security.
Our services include:
Investment Management
Growing and protecting wealth in an unpredictable industry.
Tax and Estate Planning
Minimizing tax burdens and ensuring smooth intergenerational wealth transfers.
Business Succession Strategies
Preserving your legacy while securing the future of your operation.
Our team includes individuals with agricultural roots, giving us a deeper understanding of your world. We’ll work with you to simplify your financial life, so you can focus on running your business while we handle the rest.
Healthcare Professionals
Your commitment to patient care leaves little room to focus on your own financial health. As your practice grows, so do the complexities of managing your wealth. We help healthcare professionals stay on track with customized financial planning solutions that address their unique challenges and opportunities.
We can guide you through:
Investment Strategies
Identifying opportunities aligned with your risk tolerance while maximizing steady returns.
Tax Minimization
Setting up Canadian-controlled private corporations to reduce tax liabilities on active business income.
Wealth Protection
Leveraging corporate life insurance policies and credits to secure your assets and save money.
With Black Belyea, you gain a partner who simplifies your financial planning, leaving you free to focus on what you do best.
Families
We know that family wealth is about more than dollars; it’s about values, goals, and creating opportunities for future generations. Our financial planning services guide families through the complexities of wealth transfer, inheritance, and multigenerational planning.
Our approach includes:
Tax-Efficient Wealth Transfers
Structuring your estate to maximize what your heirs receive.
Legacy Education
Preparing the next generation for sudden wealth, helping them manage and respect their inheritance.
Custom Estate Plans
Tailored to your family’s dynamics, ensuring your wishes are fulfilled and your legacy endures.
Strong communication is at the heart of our process. We create a comfortable environment where every voice is heard, fostering clarity and understanding across generations.
Women, Wealth & Well-being
Women face unique financial challenges, from pay disparity to time out of the workforce for caregiving. These factors, coupled with longer lifespans, mean financial planning must be tailored to their specific needs.
We help women address:
Long-Term Costs
Factoring in healthcare, independence, and evolving family roles.
Estate Planning
Securing their legacy for future generations.
Personalized Financial Plans
Exploring “what if” scenarios and building strategies that reflect their goals.
Whether you’re growing or protecting wealth, we ensure your financial planning aligns with what matters most to you.
Fishers
The fishing industry is unique—so are your financial planning needs. At Black Belyea Private Wealth Management in Saint John, we specialize in helping fishers navigate cash flow management, tax planning, succession, and business transitions.
We offer customized solutions in:
Cash Flow Management
Structuring finances to support growth and reinvestment.
Succession & Transition Planning
Ensuring a smooth transfer of ownership.
License Sales & Acquisitions
Minimizing tax liabilities for optimal outcomes.
We regularly travel to meet clients, including those on Grand Manan. Let’s discuss how we can support your financial future.