Creditor Protection
Segregated funds can be shielded from creditors when properly structured — a meaningful benefit for business owners and professionals.
Investment Solutions
Grow capital without giving it back.
Returns matter. What you keep matters more. Owliv Wealth builds investment portfolios engineered around your tax picture, risk tolerance, and time horizon — so growth actually reaches the next generation.
Structure decides the outcome.
Two investors can hold the same fund and keep very different amounts after tax. The difference is structure: which account it sits in, who legally owns it, how income is characterized, and how it eventually transfers.
We use insurance-based investment vehicles — primarily segregated funds — alongside traditional accounts to build portfolios that are diversified, tax-efficient, and protected from creditors where the law allows.
Every allocation is stress-tested against your real cash flow: what you need to live on, what your business consumes, and what you want to leave behind.
How our portfolios are built
Four features that quietly change the math.
Probate Bypass
Named-beneficiary contracts pass directly to your beneficiaries, avoiding probate delays, fees, and public disclosure.
Tax Efficiency
Portfolios built around your marginal rate, holding structure, and future income needs — not a generic model.
Disciplined Portfolios
Diversified allocations reviewed on a defined cadence. No stock-picking theatre — only structured, risk-adjusted growth.
Build the right portfolio
Is your money structured for what's next?
Bring your current holdings to a private review. We'll show you where tax, structure, and risk can be tightened — and where your portfolio is already doing its job.