Business services

Running a business, the hard part is rarely making money — it's arranging the people, the money, and the "what ifs". This is the owners' service desk, in three parts.

1. Group benefits: benefits aren't a cost — they're how you keep people

A good hire poached by a big company within a year usually doesn't leave over salary — they leave because the other side's benefits cover the whole family. A group benefits plan (health, dental and protection coverage) is a card in the small-business owner's hand: controllable cost, real retention. Shirley helps owners clarify needs, compare plan structures, implement, and review annually.

2. Business planning: shareholders, key persons, exit handover

• Shareholder arrangements: if something happens to a partner, where do the shares go, and where does the money come from — written down in advance.
• Key-person risk: the person the company can't run without (often you) — what happens to the business if they're out?
• Exit & handover: retiring, selling, or passing it to the next generation — an exit is years of work, starting with a map.

Owner planning and the high-net-worth family review sit at the same table: the 2026 Family Wealth & Tax Planning Review.

3. Corporate accounts: the money inside your company

Flower's "Company Accounts" video series — 20 episodes on money inside a corporation: why you can't just spend it, salary vs. dividends, being the only shareholder, and why benefits are an owner's card. Running on the Flower in Canada channels (WeChat Channels & Xiaohongshu) — watch the content first, then talk about your own arrangements.