Referral partners · Wealth managers

Why wealth managers introduce practice files here

For most healthcare clients the practice is the largest asset in the picture — and the one that eventually funds the rest.

Make an introduction Request the co-branded one-pager

Your vantage point

What you see first

You are managing the money around an asset that is bought with debt, run as a business and sold to fund a retirement. Every one of those moments is a financing question, and you see them coming before anyone else in the client's life does.

From where you sit

Where these files come apart

The purchase is funded from the portfolio by default

When financing has not been arranged, the money comes from the nearest liquid pool. Whether that is the right source is a question worth asking before the cheque is written, not after.

The succession sale has no buyer financing behind it

A client's exit depends on somebody else being able to buy. A practice whose likely buyers cannot finance it is worth less than the valuation says.

The associate buy-in arrives with no notice

Buy-in offers tend to come with a deadline attached. Structure decided under time pressure is rarely the structure anyone would have chosen.

After the introduction

What your client gets

The purchase, the premises, the equipment and the working capital arranged as one project
A view of the financing options before liquidity decisions are made
The same desk on the other side of a succession sale, when the buyer needs financing for your client's exit to close

What this page will not do is quote you a rate, an amount or an approval. Practice financing is priced and approved file by file, and a number invented here is one you would end up repeating to your own client.

The protocol

What stays yours

The mandate stays yours. This desk arranges financing only — no investment products, no insurance, nothing that competes for the assets you manage.

Make the introduction

An email with your client's name and one line about the practice starts it. You stay informed throughout, unless your client asks otherwise.

We take it from there

Your client gets the structure conversation, the file assembly and the lender placement.

You keep the relationship

The client stays yours, and this desk has nothing to sell them but financing.

How a client is protected

Four professionals, one table

The strongest protection a client can have is not one careful adviser — it is four, each standing in front of a different risk. So this desk brings them in on purpose: your client’s accountant, their lawyer, their adviser and the financing, working the same file at the same time. Not four opinions arriving separately, but one plan that all four voices agree on.

Ramin protects the financing

That the structure, the lender and the terms are the right ones for this file — not simply the ones that were available on the day. Debt taken badly is the thing that turns a good practice into a hard decade.

The accountant protects the tax position

That the purchase sits properly inside the corporate structure, and that nothing lands on the client's year that nobody planned for.

The lawyer protects the exposure

That the agreements, the security given and any personal guarantees say what the client believes they say — and that what is at risk is what they agreed to put at risk.

The adviser protects the plan · that is you

That this move fits the strategy it sits inside, instead of quietly undoing years of it.

That is what makes the protection more than the sum of it: nobody works in the dark, the plan is checked from four directions before anything is signed, and each professional catches what the others cannot see from where they sit.

Working alongside the client’s accountant and lawyer is the normal way a file runs here, not a favour. This desk arranges financing and gives no tax or legal advice — naming the other three seats is how that responsibility stays where it belongs.

Start it

One email is enough

Write to ramin@mortgageguru.ca or call 778-879-6768. If you would rather send it through the form, it is on the partners page — and the co-branded one-pager, carrying your firm’s name alongside this desk’s, is requested there too.

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