Behind the Counter

Heir or hire: Securing the future of your family jewellery business

February 23, 2025

By Danielle Walsh Family jewellery businesses represent more than commerce; they’re legacies shaped by decades—sometimes generations—of shared dreams, sacrifice, and triumph. As integral pillars of local economies, these enterprises provide stability, create jobs, and uphold traditions that resonate far beyond their immediate circles. Yet, one of the most critical challenges a family business will face… Continue reading...

Family succession and tax planning: Navigating intergenerational business transfers

June 17, 2024

Bill C-208, which became law on June 29, 2021, represented a significant milestone in Canadian tax legislation, particularly for families considering intergenerational business transfers (IBTs). This private member’s bill aims to provide certain family businesses with the opportunity to access the lifetime capital gains deduction on intergenerational transfers, aligning their tax treatment with businesses sold to third parties.

Family communication: A key to success or the root of all problems?

April 1, 2024

Often issues around decision-making, roles and responsibilities, authority, management, ownership, and overall strategy in a family business can be pinpointed to a breakdown in communication.

Business planning in 3D: Preparing for death, disability, and divorce

January 10, 2024

If you became incapacitated tomorrow, what would happen to your business? Though “planning for the unexpected” is not the most pleasant of topics, it behooves all independent jewellery retailers to consider even the most uncomfortable of scenarios when thinking about the future of their business. Specifically, death, disability, and divorce—the three Ds—are among the most common reasons for business failure. Indeed, many shops simply cannot survive the death, disability, or divorce of an owner.

Taking the reins: Three inter-generation challenges (and how to solve them)

June 21, 2023

When a business’s ownership changes hands, this transition can, understandably, be a challenge for those involved.

Setting the stage for success: Six steps for drafting a business plan

April 6, 2023

Whether you are launching a new business, five years in, or beginning to plan for the transition of ownership to the next generation, taking the time to write a proper business plan is certainly a worthwhile feat. This valued document can help align the expectations of all owners/managers, while also serving as a blueprint for how to run the business and set the pace to achieve its goals.

When is ‘equal’ simply unfair?

January 13, 2023

Compensation is a known contentious issue amongst most business partners, but even more so in a family business. Often, decisions made by parental owners can impact the personal and professional relationships of the next generation.

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