Grow, protect, andtransfer wealth withtax-efficient strategy.
TM Financial & Business Advisory designs insurance strategies for business owners, families, and high-net-worth individuals— built to protect what you've created and pass it on with intention.
Advice that begins with understanding — never with a product.
Tanya Michel is an independent insurance broker with 9 years of experience in the industry, including the past 6 years serving clients independently. Her practice is focused on permanent life insurance solutions, corporate planning, and estate strategies for clients with meaningful wealth to protect.
Strategies designed for wealth, business, and legacy.
Permanent Life Insurance
Long-term protection designed to safeguard your family, preserve your estate, and create lasting financial confidence.
Corporate-Owned Insurance
Use corporate dollars more efficiently to protect business wealth and support tax-efficient estate transfer.
Capital Dividend Account Strategies
Business-owner planning that can help transfer wealth tax-free to family or your estate through the CDA.
Estate Planning Strategies
Structure insurance so more of your wealth passes to the people you choose — with fewer delays and costs.
Succession & Legacy Planning
A clear plan for passing on your business and assets, protecting heirs, and preparing the next generation.
Critical Illness Insurance
Lump-sum protection for serious illness, with return-of-premium style options that protect your plans either way.
Built for the people with the most to protect.
Business Owners
Corporations, entrepreneurs, and family businesses planning for continuity, key people, and tax-efficient transfer.
High-Net-Worth Families
Families with assets, investments, and estates who want wealth to move intentionally between generations.
Incorporated Professionals
Doctors, dentists, lawyers, accountants, realtors, and consultants using corporate structures wisely.
Families Seeking Protection
Households that want life and critical illness coverage for income protection and long-term peace of mind.
A calm, considered process — from first conversation to lasting plan.
Discover
We learn about your family, business, goals, and what you want your wealth to do.
Educate
You'll understand every strategy in plain language before any decision is made.
Design
Your strategy is built around your tax picture, estate goals, and corporate structure.
Implement
We coordinate with your accountant, lawyer, and advisors to put the plan in place.
Review
Your plan evolves as your business, family, and legislation change.
Your plan works best when your whole team is aligned.
Tanya works closely with your accountant, lawyer, and advisory team to make sure your insurance strategy is integrated with your larger financial goals — not layered on top of them.
Clear answers, before the first meeting.
Education comes first here. If your question isn't answered below, bring it to a consultation — there's no obligation and no pressure.
Ask TanyaWhat does "tax-efficient insurance strategy" actually mean?+
Do I need to be a business owner to work with Tanya?+
Will you work with my accountant and lawyer?+
Which provinces do you serve?+
Choose a time. The strategy hour is on Tanya.
Pick any open slot — the calendar is live. One relaxed, plain-language conversation about what you've built and what you want it to do. No cost, no obligation, no pressure.
- ✓Complimentary & no obligation
- ✓Virtual across AB · BC · ON
- ✓Evenings available
- ✓Your accountant welcome to join
Prefer to talk first?
Start building a protection and legacy plan with Tanya Michel.
A no-pressure consultation to understand your goals, explain your options, and design a strategy around what matters most to you.