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What's inside
What happens to your business if you're suddenly unable to work? Most owners have no plan.
When the business hits a rough patch, personal savings take the hit — silently eroding your family's future.
If you've signed a personal guarantee on a business loan, your family may inherit that debt.
A well-structured benefits plan can be a stronger retention tool than a pay raise — at a cost that might surprise you.
When your finances are entangled, every business risk is a personal one. There's a cleaner way.
Licensed Financial Advisory Professional · Canada
Philip Ibiam is a Licensed Financial Advisory Professional at Ibiam Financial. With an engineering background and over 15 years of enterprise experience spanning telecommunications, data analytics, and technology — including roles at TELUS and Suncor Energy — Philip brings a uniquely analytical approach to financial planning. He helps Canadian families and small business owners identify and close the financial gaps that put their businesses — and futures — at risk.
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