Business owners
Owners of established companies, typically with 10 or more employees and $1 million or more in revenue, balancing the business, personal wealth and an eventual exit.
Sacha Francisco, CFA
One plan. One point of contact. Integrated wealth management for business owners, professionals and executives.
Investment AdvisorCFA charterholder15+ yearsNorth York, Toronto
Your advisors, finally working from one plan
Most successful people have an accountant, a lawyer, an insurance broker and an investment account. What they don’t have is anyone making those pieces work together.
That’s my job.
I take a family office approach. I work with your existing accountant and lawyer, bring in specialists from inside RBC and externally where needed, and pull it all into one wealth strategy: financial plan, investments, tax, estate and risk. One plan. One point of contact.
How I serve your wealth in its entirety
A full-service offering that integrates disciplined portfolio management with comprehensive wealth planning, all supported by experienced specialists across the RBC network.
Too many advisors. No quarterback?
The first step is a conversation about what you want the next ten years to look like.
Schedule a meetingWho I serve
Successful Canadians and their families, typically with $1 million or more in assets, who would rather spend their time on what matters most than on coordinating advisors.
Incorporated professionals
Professionals who hold their earnings and investments inside a professional corporation and want the corporate and personal sides planned together.
Senior executives
High earners with demanding careers and little time to plan, who want their income, investments and tax working from one strategy.
Their families
Spouses, children and the next generation, so wealth is organized, tax-aware and ready to transition when the time comes.
The challenges I help solve
Successful clients rarely lack advice. What they lack is coordination.
Too many advisors, no quarterback
Your accountant, lawyer, insurance broker and banker each do good work, but nobody talks to each other. By default you become the coordinator, and you don’t have time for it. My family office approach puts one person in charge of making the pieces work together.
High income, little time
You earn well but rarely sit down to plan. I do the organizing, bring the decisions to you, and keep the plan moving between meetings.
Taxed at the top
Ontario’s top combined marginal tax rate is about 53.5%. Coordinating how and where you earn, invest and draw income, together with your accountant, can make a meaningful difference to what you keep.
Estate costs nobody planned for
Probate, the deemed disposition of assets at death and wills that are years out of date can erode what you pass on. We plan for them now, with your lawyer and accountant at the table.
If you own a business
Business owners face a second layer of decisions, and each one affects the others.
No exit plan
Sell, hand off to family or transition to staff? Until that’s decided, every other decision stalls. We map the options and work back from the one you choose.
Wealth trapped in the company
Retained earnings pile up in the operating company. With your accountant, we weigh salary, dividends and holding-company structures to draw money out efficiently.
The passive income grind
Too much investment income inside the corporation can reduce access to the small business rate: 9% federally, versus the 15% general rate. We invest with that limit in mind.
Keeping the capital gains exemption
For 2026 the indexed lifetime capital gains exemption is listed at $1.275 million for qualified small business shares, but shares must qualify at the time of sale. We plan ahead so excess passive assets don’t put that at risk.
Family and fairness
TOSI rules make splitting income with a spouse or children harder, and succession to children raises fairness questions with siblings outside the business. We plan for both.
No pension
You built the business instead of a pension, so retirement often depends on the sale. We build a retirement plan that is less dependent on a single transaction.
One plan. Five disciplines.
Every part of your financial life, designed together and reviewed together.
The whole picture
Integrated wealth strategy
This is the heart of what I do. Your financial plan, investments, tax, estate and insurance are designed as one strategy, not in silos, and reviewed together as your life and business change.
I start with the question that drives everything else: what do you want your business, your career or your money to do for you over the next ten years? The structure, the tax planning and the portfolio follow from that answer.
Start the conversation
Direction
Financial planning
A written plan that connects your goals to the numbers: cash flow, retirement timing, business exit scenarios and the trade-offs between them, so big decisions are made with the full picture in view.
Time and discipline
Investment management
Disciplined, research-backed portfolios built around your plan, risk tolerance and time horizon, drawing on RBC’s strategists and research analysts. Your portfolio serves the plan, not the other way around.
Balance
Tax optimization
Working alongside your accountant, we look for ways to reduce tax across your personal and corporate holdings: income mix, account location, holding-company structures and the timing of withdrawals.
Legacy
Estate planning
Make sure your wealth goes where you intend, with as little cost and friction as possible. Together with your lawyer and RBC estate specialists, we address wills, powers of attorney, probate, deemed disposition and trusts.
Protection
Risk management
Insurance that fits the plan: protecting your family, your income and your business through life, disability, critical illness and key-person coverage, arranged with RBC insurance specialists.
How we work together
A clear process, with one person accountable for it.
Step 1
Start with the ten-year question
What do you want your business, career or money to do for you over the next ten years? Everything else follows from your answer.
Step 2
Map your full picture
We gather everything (accounts, corporate structure, insurance, wills and tax returns) and meet with your existing accountant and lawyer.
Step 3
Build one plan
Financial plan, investments, tax, estate and risk, designed as a single strategy with clear priorities and next steps.
Step 4
Coordinate your team
I act as your quarterback, bringing in RBC specialists and your external advisors and keeping everyone working from the same plan.
Step 5
Review and adapt
We meet regularly and adjust the plan as your life, your business and the markets change.
Meet your advisor
Sacha Francisco, CFA
For more than 15 years I’ve worked in asset management, serving families with their investments and wealth management strategies.
I hold the Chartered Financial Analyst (CFA) designation, widely regarded as the gold standard in the investment industry.
Today I focus on business owners, incorporated professionals and senior executives who want their financial lives organized and simplified, with confidence that their plan is built to last.
Book a discovery conversationProfessionals at your service
Leaning on experience and industry accreditations, our team helps bring financial peace of mind to clients like you.
SFHeadshot from Yext profile
Sacha Francisco ›
CFA
Investment Advisor
Expertise in your corner
To serve our clients’ most sophisticated and complex needs, we draw upon the expertise of our esteemed RBC partners.
RBC Family Office Services
RBC Royal Trust
RBC Private Banking
RBC Business Banking
RBC Capital Markets
RBC Portfolio Advisory Group
Planning and coordination, included
No separate planning fee. It’s part of how I manage your portfolio.
Book a discovery conversationGuides
Get a better vantage point on your financial picture with these guides from the RBC Family Office Services team.
Business owner’s guide
Ten key decisions for business owners
Get the guideFamily wealth guide
Ten strategies to build and protect your family’s wealth
Get the guideEstate planning guide
How planning for tomorrow, today, can help your estate aspirations
Get the guideFinancial planning facts
Deadlines, contribution limits and key tax facts
Get the guideRetirement checklist
Six key areas to consider about retirement
Get the guideTax reporting guide
Important dates and tax information for your annual return
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Read moreFrequently asked questions
What is a family office approach?
One advisor coordinates your whole financial life (investments, financial planning, tax, estate and insurance), working with your accountant, your lawyer and RBC specialists so everything follows one plan.
Who do you typically work with?
Business owners (typically 10 or more employees and $1 million or more in revenue), incorporated professionals and senior executives, generally aged 35 to 65, with $1 million or more in assets.
Do I need to replace my accountant or lawyer?
No. I work with your existing advisors and bring in specialists from RBC or externally only where they’re needed.
Is there a separate fee for financial planning?
No. Planning and coordination are included in how I manage your portfolio.
How can a business owner take money out of a corporation efficiently?
It depends on your situation. The right mix of salary, dividends and holding-company structures differs for every owner, so we model the options together with your accountant.
Where are you located?
5140 Yonge Street, Suite 1100, North York, Ontario M2N 6L7.
Get in touch
Email: sacha.francisco@rbc.com
Phone: 647-776-2239