A complete operating system for building wealth as a contractor. Three phases, in order, because each one funds the next.
Your company is the wealth engine. Before you can invest a dollar outside it, the engine has to run properly. Most contractors don't have a revenue problem, they have a margin problem: jobs priced on gut feel, crews that vary wildly in output, and a close rate nobody tracks.
“Should you find yourself in a chronically leaking boat, energy devoted to changing vessels is likely to be more productive than energy devoted to patching leaks.” Warren Buffett
A contractor can run a strong year and still end up with nothing to invest. It leaks out through poor structure, unmanaged tax exposure, equipment debt, and a slow season that quietly eats the good months. Preserve is where you stop the leak and build the buffer that makes investing possible.
“Rule No. 1: Never lose money. Rule No. 2: Never forget Rule No. 1.” Warren Buffett
This is the part nobody taught you, and it's the whole point. Once the business produces and you're keeping more, that surplus gets deployed into assets that pay you whether or not you're on a job site. Not someday, when you sell. Every month, starting now.
“Our favorite holding period is forever.” Warren Buffett
Drag the sliders to your own numbers and watch the money move. This is the structure underneath Preserve and Grow.
What the business brings in
Materials, crew, trucks, overhead
What you pay yourself to live on
The number this whole system runs on
New initiatives, business development, retained earnings
Paid up as dividends, out of the risk
The operating company is where the liability lives. It keeps a defined buffer of retained earnings, not every dollar you made.
Capital that is no longer exposed to the business
Rent that arrives whether or not you are on a job site
Compounding you do not have to manage
Paid out when you want it, from assets you own
The mix between property, stocks and what you take home is the plan we build with you.
An illustration, not tax or financial advice. Corporate structures and their tax treatment differ between Canada and the United States and by your own situation — work the specifics through with your accountant.
Knowing you should invest outside the business is easy. Doing it every single month, through a busy season and a slow one, is where it falls apart. So the system does that part.
Revenue, payroll, materials, debt service. Tracked the same way you'd track a job's margin, but across the whole operation, so the number you act on is real rather than remembered.
What can genuinely leave the business this month without starving payroll, materials, or your slow-season buffer. It accounts for seasonality, because your year isn't twelve equal months.
Real estate, index funds, cash-flow assets, on schedule. You made the decision once, when you were thinking clearly, instead of re-deciding it every month against whatever the season is doing.
Practical education, coaching, accountability, and a community of contractors taking control of their financial lives.
A continuous read on what's genuinely safe to pull out of the business, and exactly where it should go next.
Live training covering business, structuring, and investing strategies.
Step-by-step guides for real estate, stocks, and business acquisitions.
Real deals broken down in real time, so you learn to evaluate opportunities yourself.
Quarterly planning sessions built around keeping more of what you earn.
Job costing, net worth tracking, and capital allocation tools you can actually use on a Sunday night.
Get the full Wealth OS system, the coaching, and a community of contractors building wealth beyond their business.
