For CPAs, Accountants, Lawyers & Wealth Advisors
An Insurance Resource for Your Business-Owner Clients
When a client's corporate structure, estate plan, or retirement projections surface an insurance question, Gavin Dyer handles the insurance analysis and implementation — carrier comparison, policy structure, underwriting — while you stay the advisor of record.
This isn't an attempt to take over your client relationship. Gavin works collaboratively with your existing accountant and lawyer, stays strictly in insurance territory, and reports back before anything is implemented.
When to Bring Gavin In
Ten Signals Worth an Insurance Conversation
You don't need to have the insurance answer — just recognize when one of these applies to a client. Each links to the background Gavin works from.
Estate liquidity needs
The estate is asset-heavy and cash-poor — nothing readily available to fund tax owed at death.
A large potential tax liability at death
Deemed disposition on shares, real estate, or investments could create a substantial bill.
An estate freeze in the works
You're structuring or considering a freeze — the resulting liability may need a funding plan.
Business succession
A client is planning to transition the business to family or a partner.
Estate equalization
One child is taking over the business; others need to be treated fairly.
Buy-sell funding needs
A shareholder agreement exists — or should — with no funding mechanism behind it.
Key-person exposure
The business depends heavily on one owner or employee, with no coverage compensating for that risk.
Significant retained corporate wealth
Retained earnings sitting in GICs or investments, taxed passively every year.
Shareholder insurance needs
Multiple shareholders, no clear plan for what happens if one dies or exits.
Business-owner disability exposure
A client's practice or business income depends on their own ability to work.
How This Works
Three Steps, No Overlap With Your Work
This isn't a lead-gen arrangement or a commission scheme — it's a working relationship built around a clear division of labour. You keep the relationship and the tax/legal work with your client; Gavin keeps the insurance piece in his lane.
You flag a client
A client's corporate structure, estate plan, or retirement projections raise an insurance-relevant question — retained earnings, a tax liability at death, a buy-sell agreement, an equalization need.
Gavin takes the insurance piece
Gavin runs the conversation on coverage, carrier comparison, and policy structure. You stay the client's advisor of record throughout — nothing about that relationship changes.
You get looped back in
Before anything is implemented, the insurance recommendation comes back to you and the client together, so the structure lines up with the tax and legal planning you've already done.
Where the Line Is
Gavin is an AIC-licensed insurance broker — not a tax advisor, not a lawyer, and not a comprehensive financial planner. He is not trying to replace your relationship with your client or take over the file. Referrals stay strictly in insurance and insurance-adjacent territory: life, disability, critical illness, corporate-owned insurance, and the policy structures built around them.
Tax filings, corporate tax structuring, and legal documents stay with your firm or the client's lawyer, as they should. On complex corporate or estate cases, Gavin brings in TruStone Financial MGA's in-house tax and insurance specialists to make sure the insurance structure is built correctly around the tax work — not instead of it. For investment management or comprehensive financial planning outside insurance, Gavin refers to Adam Vickers, CFP, at Harbourfront Wealth Management rather than attempting it himself.
Who's On The Team
Gavin Isn't Working This Alone
Gavin identifies where insurance fits into your estate picture. When the case needs tax, legal, or investment expertise, he brings in a team built for exactly that.
TruStone Financial MGA
Gavin is independently contracted through TruStone Financial, a national managing general agency. On complex cases, TruStone's in-house tax and insurance specialists review the structure — corporate ownership, CDA mechanics, policy design — alongside Gavin, before anything is recommended.
Harbourfront Wealth Management
For investment management, comprehensive financial planning, or anything outside insurance, Gavin works through a formal referral partnership with Adam Vickers, CFP — Wealth Advisor and Senior Planning Associate at Harbourfront Wealth Management — so your wealth management stays with a licensed professional, not a broker guessing at it.
Gavin coordinates the introductions. Your accountant and lawyer stay in the loop the entire time.
Advisor's Guide to Referring Corporate Insurance
A short PDF covering when corporate-owned life insurance is worth raising with a client, what Gavin needs from you to get started, and how the referral process works end to end.
Gavin Dyer
AIC Licensed Insurance Advisor · TruStone Financial MGA
Discuss a Client Situation
Describe what you're seeing — no need to name the client or share identifying details yet. Gavin will tell you whether and how he can help.
Set Up an Ongoing Referral Relationship
If you'd rather establish how referrals should flow between your firm and Gavin's before the first one comes up, start here.
AIC Licensed · TruStone Financial MGA · No cost to refer
Disclaimer: Frank Cover and Gavin Dyer provide insurance advice only and do not provide tax, legal, or comprehensive financial planning advice. Referred clients' tax and legal matters remain the responsibility of their own advisors, or are coordinated through TruStone Financial's in-house specialists where appropriate.