Zachary Sikorski
CHS · EPC · CEAInsurance planning for owner-managed businesses and the families behind them.
Before founding Sheldrake Group, Zachary spent his career in financial services, beginning in 2008 and most recently as a District Vice President at Sun Life, working alongside independent advisory practices across Ontario and British Columbia. Rather than building a single book of clients, he watched hundreds of planning conversations unfold, close enough each time to see where sound investment, insurance, tax, and estate advice failed to connect.
That experience informs what he looks for in every engagement: shareholder agreements without the funding to honour them, coverage that hasn't kept pace with the business, and decisions that were never coordinated with the rest of the picture.
The practice today
Sheldrake Group is an insurance planning practice serving business owners and their families in Ontario. The work centres on the decisions that sit at the intersection of a private company and a family: business succession, estate equalization, the tax that falls due at death, and the insurance structures that fund it, coordinated with the client's accountant and estate lawyer rather than sold in isolation.
Credentials and licensing
Zachary holds the Certified Health Insurance Specialist (CHS), Elder Planning Counselor (EPC), and Certified Executor Advisor (CEA) designations. He is licensed to provide life and accident & sickness insurance in the Province of Ontario, and is licensed to transact insurance in Ontario only. Insurance products and services are provided through Sheldrake Group Inc. O/A Sheldrake Group, a licensed life insurance agency in Ontario.
Writing
Zachary is the author of The Decisions Wealth Depends On, on the choices that quietly determine whether wealth lasts through a generation. He also writes a series of planning notes for business owners, covering succession, corporate-owned insurance, the capital dividend account, estate equalization, and the tax a business owes at death.
Outside the work
Most of Zachary's decisions are made with his wife and two children in mind, a reminder that behind every plan is a family, not a balance sheet.
- Principal, Sheldrake Group, Toronto, Ontario
- In financial services since 2008; formerly District Vice President, Sun Life
- CHS · EPC · CEA · licensed for life and A&S insurance in Ontario
- Author, The Decisions Wealth Depends On
Disclosure
Zachary Sikorski is licensed to provide life and accident & sickness insurance in the Province of Ontario, and is licensed to transact insurance in Ontario only. Insurance products and services are provided through Sheldrake Group Inc. O/A Sheldrake Group. Nothing on this page is directed at, or intended for, residents of any other jurisdiction, and nothing here creates an advisor-client or other professional relationship. See our Legal & Disclosure and Privacy pages for full terms.