300, 5 Richard Way SW, Calgary, AB T3E 7M8 | P: 403–910–0717 C: 403–910–0717 F: 403–910–0788 | twitter @MinrvaGroup | www.minrvagroup.com

Minrva Group Inc. provides quality individualized service that helps you

define and reach your goals whatever they may be. As a boutique financial

planning firm Minrva Group Inc can offer traditional or alternative planning

solutions to meet your needs.

About Minrva Group Inc

Business planning

Our process

Our consultants

Planning for Business

300, 5 Richard Way SW, Calgary, AB T3E 7M8 | P: 403–910–0717 C: 403–910–0717 F: 403–910–0788 | twitter @MinrvaGroup | www.minrvagroup.com

At Minrva Group we work with business owners. We can help you use your business as a personal retirement tool.

Business owners are passionate people who spend most of their time in their business.

We know you enjoy both the nature of your business, and all the work that goes into

making sure your clients and customers are well taken care of. Understandably, you’d

rather spend your time here than on the logistical planning side. This oftentimes

results in missed planning opportunities that can come at a significant cost to you

– the business owner.

We will help you work on your business,

so you can fully reap the benefits of your hard work.

300, 5 Richard Way SW, Calgary, AB T3E 7M8 | P: 403–910–0717 C: 403–910–0717 F: 403–910–0788 | twitter @MinrvaGroup | www.minrvagroup.com

300, 5 Richard Way SW, Calgary, AB T3E 7M8 | P: 403–910–0717 C: 403–910–0717 F: 403–910–0788 | twitter @MinrvaGroup | www.minrvagroup.com

Tax Planning

As a small to medium sized business in Alberta, the owner of a Canadian business is entitled to take advantage of lower corporate tax rates. The owner must realize the tax implications of investing through a corporation however the benefits of doing so properly can be extremely beneficial. Also consider a number of "tax-shelters" available to significantly reduce the taxes paid. Tax planning is a significant investment in your company’s future, and may assist in developing a saleable business. Just as you wouldn’t rely on your family physician to take care of all of your medical needs, don’t rely on just your accountant to make all your financial planning decisions. Consider adding a Minrva Group consultant to your team of financial professionals to assist you and your accountant in any tax planning decisions.

Succession Planning/Exit Strategy

The fact is if you’re in business for yourself, you quite simply need a succession plan and an exit strategy. Many business owners dedicate themselves to growing their business but have no plan on how to sell it in the future. As a result many businesses simply close when the owner retires and the last client is attended to. Regardless of your type of business, it doesn’t have to be this way. A Minrva Group consultant would be happy to show you what options may be available to you.

Business planning

You love working in your business, let us help you work on the financial planning

of your business. We assist business owners with the following:

300, 5 Richard Way SW, Calgary, AB T3E 7M8 | P: 403–910–0717 C: 403–910–0717 F: 403–910–0788 | twitter @MinrvaGroup | www.minrvagroup.com

Key Employee Protection

Many businesses rely on a few key individuals without whom the business would severely suffer. These individuals may be partners or employees but are nonetheless extremely valuable. Protect your business against the financial risk of those employees suffering a premature death or illness. Also understand what is available to reward those key individuals so they grow with your business. The options for structuring this planning are endless; let a Minrva Group consultant guide you in understanding how to do it best.

Creditor Proofing/Lawsuit Protection

Many companies will have insurance in place to cover themselves against errors made in their business. However, many businesses will borrow money for equipment or expansion or simply to pay for ongoing expenses. Creditor proofing your profits and retained earnings is a simple yet tremendously valuable planning tool available to your business. Talk to a Minrva Group consultant to find out how to properly protect your business.

300, 5 Richard Way SW, Calgary, AB T3E 7M8 | P: 403–910–0717 C: 403–910–0717 F: 403–910–0788 | twitter @MinrvaGroup | www.minrvagroup.com

Canada Pension Plan Reallocation

Are you a business owner who is paying into the Canadian Pension Plan? Many business owners don’t realize there are options to create and manage your own pension. Although some advanced planning is necessary, many business owners can realize higher retirement income than what they would otherwise receive from the Canadian Pension Plan. Talk to a Minrva Group consultant to find out more about setting up an EPSP for your business.

Corporate Structuring

Do you spend more time working in your business than you do working on it? Corporate restructuring may assist you immensely with a number of factors in your business including but not limited to income splitting, business succession, tax planning, and creditor proofing. Many planning tools are available as a business owner. Talk to a Minrva Group consultant to find out more.

300, 5 Richard Way SW, Calgary, AB T3E 7M8 | P: 403–910–0717 C: 403–910–0717 F: 403–910–0788 | twitter @MinrvaGroup | www.minrvagroup.com

Group Benefits /Private Health Spending Plans

Do you have the proper benefits in place for you and your employees? Many health plans are rigid in their nature and many are not cost effective. Consider a Private Health Spending Plan (PHSP) where employees can use funds for the treatments they require, without the restrictions placed by insurance companies’ health and dental plans. Tired of deductibles? A PHSP may be the right option for you and your business.Talk to a Minrva Group consultant to find out more. A PHSP may be a good compliment to your existing health and dental plan. If you and your employees don’t currently have a plan in place and would like to have both a PHSP and traditional health and dental coverage, we can help. Talk to a Minrva Group consultant to find out more. We can shop around to find the best group coverage to meet your needs.

We will help you develop a team of experts to help you work on your business. If you already have a team of trusted advisors, we are happy to work together with your team towards your success.

300, 5 Richard Way SW, Calgary, AB T3E 7M8 | P: 403–910–0717 C: 403–910–0717 F: 403–910–0788 | twitter @MinrvaGroup | www.minrvagroup.com

What is the opportunity cost of procrastinating? A lot of the feedback we hear from clients and potential clients alike is that they wished they had spoken to us sooner. Our mandate is simple, help Canadians realize their financial goals and create lasting relationships along the way.

David Hirji

Owner and Founder of Minrva Group Inc., David has worked in the financial services industry since 2003. He specializes in finding his clients money by reallocating tax dollars, reducing their tax bill, or reducing their insurance costs. These funds can then be used to implement a financial planning strategy which enables his clients to come out much farther ahead.

In addition, David enjoys educating his clients' on guaranteed alternative investment strategies to build and protect wealth. His clients are impressed with his financial planning strategies which far exceed their expectations. With extensive product knowledge and an emphasis on sound financial planning, David has quickly built a reputation as a trusted advisor for business owners and individuals alike.

300, 5 Richard Way SW, Calgary, AB T3E 7M8 | P: 403–910–0717 C: 403–910–0717 F: 403–910–0788 | twitter @MinrvaGroup | www.minrvagroup.com

Our processWhen we meet with clients we feel it is our duty to let you know what your options are and design a customized plan with quality products to meet your needs. We offer several packages from basic to comprehensive as well as a fee-for-service model. In everything we do we want you to understand what you are doing and why.

First appointment (approx. 30 minutes):

• About Minrva Group – We will tell you all about us and what we offer. It costs you nothing out of pocket.

• Information gathering

• Preliminary suggestions

• Choose whether or not to proceed

Our research

• With the information collected from the first appointment we will begin to research the market to find the best solutions and products to meet your needs

• In our unique situation as independent brokers we are not tied to any one company or product. This unbiased position allows us to get the most competitive product features and benefits to make a good plan become a great plan

• Once we have finished our research we will then draft a proposal ranging from a modular approach where we may tackle only a few planning needs to a more comprehensive approach where we can assist in all the aspects of your business depending on your needs.

Next appointment/s:

• Presentation of your business planning proposal

• Either explore more options or proceed

Quarterly, Semi-annual, or Annual Reviews:

Upon setting up your plan we will meet again and go over your plan once more to make sure there aren’t any changes that need to be made. If everything looks good you may choose to be contacted on a quarterly, semi-annual, or annual basis. Of course more frequent contact may be necessary if circumstances call for it. This process is about presenting you with your options and guiding you along the way. Ultimately it is up to you to decide how you would like to proceed.

300, 5 Richard Way SW, Calgary, AB T3E 7M8 | P: 403–910–0717 C: 403–910–0717 F: 403–910–0788 | twitter @MinrvaGroup | www.minrvagroup.com

Minrva (Minerva, Menrfa, or Menrva): The name "Minerva" comes from a goddess in Etruscans mythology.

Minrva is the goddess of wisdom, war, art, education, and commerce. As the patron goddess of wisdom

we use Minrva to represent our ongoing quest in pursuit of wisdom.