Automating High-Stakes Financial Workflows with Precision
and Scale
AI-powered practice tools for Canadian CPA, CBV, CEPA, CFP and CFA professionals — built for succession, valuation and exit planning.
Our Solutions
Commercial Lending
Skills
Succession financing analysis & credit memorandum drafting
The Apex Commercial Lending Skill runs a seven-stage succession financing workflow — from borrower intake and GIFI data extraction through DSCR analysis, loan structuring, OSFI B-20 stress testing, 5C credit assessment, FINTRAC/KYC review, and full credit memorandum drafting.
CPA Skills
Canadian tax planning, estate freezes & CUSMA compliance
The transition of private capital requires more than just a spreadsheet; it requires a strategy. Apex Invest AI utilizes AI-powered agents to automate the complex workflows of Business Valuation, Capitalization, and Succession Planning, ensuring that founders and investors realize maximum value with surgical precision.
CFP and CFA Skills
Retirement planning & post-exit investment management
The Apex CFP Skill models after-tax exit proceeds across three LCGE scenarios, produces year-by-year retirement income projections to age 90, and optimizes CPP/OAS deferral, RRSP/RRIF strategy, and spousal income splitting for business owners approaching a liquidity event
Certified Exit Planning Advisor
Skills
Exit planning, value acceleration & succession readiness
The Apex CEPA Skill scores business exit readiness across five dimensions, produces prioritized value acceleration roadmaps with EV impact per initiative, and classifies the buyer universe into strategic, PE, and financial tiers.
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Commercial Lending Skills
Commercial Credit Memorandum
The Commercial Lending Skill produced this full credit memorandum for the $7,200,000 succession financing facility for Marchetti Precision Components Inc. in under 30 minutes.
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CPA Skills
Estate Freeze & LCGE Multiplication Analysis
The CPA Skill produced this analysis in under 5 minutes from T2 GIFI input data. It covers the ITA s.86 estate freeze structure for Marchetti Precision Components Inc., the LCGE multiplication table for four family members ($5,000,000 combined exemption pool, ~$1,250,000 combined tax saving), TOSI risk flags under ITA s.120.1, and the cost-of-delay calculation showing $75,000 in annual tax exposure attributable to each year without a freeze. All outputs require review and sign-off by a CPA registered with CPA Canada before implementation.
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CBV skills
Estimate Business Valuation
The CBV Skill produced this estimate valuation under CICBV Practice Standard No. 110 for Marchetti Precision Components Inc. It includes a three-year normalised EBITDA table with seven adjustment categories, the multiple selection rationale (sector benchmark, public comparables, private transactions, company-specific adjustments), a quality of earnings assessment with five flagged risks, and a post-CUSMA compliance scenario showing enterprise value uplift from $8.6M to $11.5M–$14.0M. Requires sign-off by a CICBV-designated CBV
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CEPA Skills
Exit Planning & Value Acceleration
The CEPA Skill scored Marchetti's exit readiness at 58/100 across five dimensions and produced a prioritised value acceleration roadmap. The top three priorities — CUSMA tariff audit (+$1.1M–$1.7M EV), estate freeze implementation (+$1.25M LCGE saving), and customer concentration reduction (+0.5× multiple) — are quantified in both EBITDA impact and enterprise value terms. The document also includes a full buyer universe analysis across four tiers and a six-step embedded CUSMA audit summary. Requires sign-off by a licensed CEPA advisor.
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CFP Skills
Retirement & Personal Financial Plan
The CFP Skill modelled Robert Marchetti's after-tax exit proceeds across three LCGE scenarios (no LCGE: $7.0M net; full family LCGE: $7.9M net), optimised CPP and OAS deferral to age 70 (combined $30,740/year), and confirmed his $180,000/year retirement income target is fully funded to age 90 through a structured combination of RRIF drawdown, TFSA withdrawals, CPP/OAS, and portfolio income. Requires review and sign-off by a CFP designate in good standing with FP Canada.
See Document Below:
"All sample outputs are based on a fictional client — Marchetti Precision Components Inc. — used for illustration purposes only. They do not constitute tax advice, valuation opinions, financial plans, investment recommendations, or credit decisions."
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CFA Skills
Investment Policy Statement
The CFA Skill produced a complete Investment Policy Statement for Robert Marchetti's $9,023,000 post-exit portfolio. It documents the return objective (4.5% real), the risk tolerance assessment (ability HIGH / willingness MODERATE — mismatch flagged and documented), the balanced strategic asset allocation across five asset classes with policy ranges and benchmarks, account structure optimisation across TFSA / RRSP / non-registered, and a systematic $900,000/month six-month deployment strategy. Requires sign-off by a CIRO-registered Portfolio Manager or Investment Advisor
See Document Below: