Matrimonial Home Buyout Ontario 2026: Lump Sum vs Installment vs Deferral — Which Saves More on $400K?
Quick Answer
On a $400K matrimonial home buyout in Ontario, the funding structure — lump sum, installment, or deferral — changes the after-tax cost by $25,000 to $55,000. The lump sum is the cleanest exit: one payment, both parties move on, and if funded through an RRSP rollover under ITA s. 60(j.1), the tax cost is $0 on the transfer. Installments work when the buying spouse can't refinance the full $400K immediately — but if the payments aren't structured correctly in the separation agreement, the buying spouse loses the ability to deduct interest on borrowed funds. Deferral (delaying the buyout until a trigger event like the youngest child finishing school) keeps the departing spouse tied to a depreciating or appreciating asset they can't control, and the carrying costs — mortgage interest, property tax, maintenance on a home you don't live in — typically run $15,000–$25,000 per year. For most Ontario couples with $400K of equity to divide, the RRSP-funded lump sum is the lowest-cost structure, followed by a refinance-funded lump sum, with deferral as the most expensive option over any horizon longer than 18 months.
Key Takeaways
- 1The matrimonial home has special status under Ontario's Family Law Act, s. 18. Both spouses have an equal right to possession regardless of whose name is on title. Neither spouse can sell, mortgage, or encumber the home without the other's consent or a court order during the marriage. This protection ends at divorce — the equalization payment settles the financial interest.
- 2An RRSP-to-RRSP rollover under ITA s. 60(j.1) is the most tax-efficient way to fund a buyout from registered assets. The transfer happens trustee-to-trustee with no immediate tax consequence. On $200K of RRSP transferred as part of a $400K equalization, this saves approximately $90,000–$107,000 in income tax versus liquidating the RRSP (which would be taxed at Ontario's top combined rate of 53.53% on the portion above $253K).
- 3Capital gains in 2026 are taxed at a flat 50% inclusion rate. The proposed 66.67% rate above $250K was cancelled on March 21, 2025 by the Carney government. If funding the buyout requires selling non-registered investments, the tax is 50% inclusion at your marginal rate — not the cancelled tiered structure.
- 4Ontario probate fees are $0 on the first $50K, then $15 per $1,000 (1.5%) above $50K. On a $400K equalization payment that passes through the estate (if the paying spouse dies before completing installments), probate would be approximately $5,250. A properly drafted separation agreement with a security interest avoids this.
- 5Deferral sounds painless but costs $15,000–$25,000 per year in carrying costs the departing spouse can't control. Over a 5-year deferral on a $400K buyout, interest at current mortgage rates (mid-4% range) plus the departing spouse's share of property tax and maintenance adds $75,000–$125,000 to the effective cost of the buyout.
- 6The TFSA contribution room in 2026 is $7,000 annually ($109,000 cumulative since 2009). TFSA withdrawals to fund a buyout are tax-free and the room re-opens the following year — but depleting your TFSA for a home buyout sacrifices decades of tax-free compounding.
A Mississauga couple, married 14 years, two kids in elementary school. The matrimonial home is worth $800,000 with a $200,000 mortgage remaining — $600,000 in equity. She wants to keep the house so the kids stay in their school. He agrees, but he wants his share of the equity: $400,000. The question isn't whether he gets it — under Ontario's Family Law Act, the matrimonial home's full value enters equalization without a date-of-marriage deduction (s. 18(1)). The question is how she pays it, and which structure costs the family the least. The same principle that drives how Canada taxes large asset transfers at death applies here: the structure of the payment matters as much as the amount.
Three options. Same $400,000 owed. The after-tax and after-cost outcomes differ by $25,000 to $55,000 depending on which structure they choose.
The Scenario: $800K Home, $400K Buyout, One Spouse Stays
The baseline numbers
- Home value at separation: $800,000
- Mortgage remaining: $200,000
- Net equity: $600,000
- Buyout required (equalization share): $400,000 (includes offset for other NFP items)
- Her income: $95,000/year (salaried)
- His income: $130,000/year (salaried)
- Her RRSP: $120,000
- His RRSP: $280,000
- Combined TFSAs: $85,000
- Province: Ontario — top combined marginal rate 53.53%
- Capital gains inclusion: 50% (flat — the proposed 66.67% rate was cancelled March 21, 2025)
Option 1: Lump Sum Buyout — Pay $400K Now
She pays him $400,000 in a single transaction at closing. To fund it, she has three sub-options:
1A: Refinance the Mortgage
She increases the mortgage from $200,000 to $600,000, pulling $400,000 in equity to pay him. Clean, fast, no tax event.
Refinance math on $400K at 4.5% over 25 years
New total mortgage: $600,000
Monthly payment (25-year amortization, 4.5%): ~$3,300
Her previous payment on $200K: ~$1,100
Monthly increase: ~$2,200/month
Total interest on additional $400K over 25 years: ~$265,000
Qualification hurdle: She needs to qualify for $600K on $95K income alone. Under the stress test (qualifying rate ~6.5%), she'll need a GDS ratio under 39% and TDS under 44%. On $95K gross, this is tight — monthly gross income is ~$7,900, and $3,300 in mortgage alone is 42% GDS before property tax and heating. She may not qualify without spousal support income being factored in.
Tax cost of this structure: $0 (no taxable event)
1B: RRSP Rollover + Partial Refinance
This is the structure that saves the most on a $400K buyout. She transfers $160,000 from his RRSP to her RRSP under ITA s. 60(j.1) — the equalization-driven spousal rollover — and refinances only the remaining $240,000.
Blended buyout: $160K RRSP rollover + $240K refinance
RRSP rollover ($160K, trustee-to-trustee): $0 tax. His RRSP drops from $280K to $120K. Her RRSP rises from $120K to $280K. The deferred tax liability transfers with the assets — she'll pay tax when she withdraws in retirement, at her future marginal rate.
Refinance ($240K additional): Mortgage goes from $200K to $440K
New monthly payment: ~$2,420 (down from $3,300 in the full-refinance scenario)
Total interest on additional $240K over 25 years: ~$159,000 (vs $265,000 on $400K)
Interest saving vs full refinance: ~$106,000 over 25 years
Qualification: $440K mortgage on $95K income is far easier to qualify for — ~$2,420 is 31% GDS, well within limits
Combined tax cost: $0 at the time of transfer
The RRSP rollover is the single most valuable lever in this scenario. Compare what happens if she withdraws $160,000 from his RRSP as cash instead of rolling it over:
- His $160K RRSP withdrawal (added to his $130K salary): total taxable income $290,000
- Tax on the $160K at his marginal rate (48%–53.53%): approximately $80,000–$86,000
- Net cash received after tax: ~$74,000–$80,000
- She needs to refinance the remaining $320,000–$326,000 instead of $240,000
The rollover saves $80,000–$86,000 in immediate tax and ~$50,000 in additional mortgage interest over 25 years. That is why the separation agreement must reference ITA s. 60(j.1) explicitly — without it, the RRSP transfer is treated as a withdrawal.
1C: TFSA Withdrawal + Partial Refinance
TFSA withdrawals are tax-free. If she has $45,000 in her TFSA, she could withdraw it to reduce the refinance amount further. The 2026 cumulative TFSA limit is $109,000, and the withdrawal room re-opens the following January.
The trade-off: every dollar withdrawn from the TFSA is a dollar that stops compounding tax-free. On $45,000 withdrawn at age 40 and never re-contributed, the opportunity cost over 25 years at 6% nominal return is approximately $193,000 of lost tax-free growth. Whether that exceeds the mortgage interest saved depends on the mortgage rate and her ability to re-contribute in future years.
Option 2: Installment Buyout — Pay $400K Over Time
She can't refinance enough, and the RRSP rollover only covers $160K. The separation agreement structures the remaining $240K as installment payments over 5 years.
Installment buyout: $160K RRSP rollover + $240K over 60 months
RRSP rollover: $160K trustee-to-trustee, $0 tax (same as Option 1B)
Installment payments: $240,000 over 60 months
Interest rate on installments (agreed in separation agreement): 4% (common to use Bank of Canada rate or a negotiated fixed rate)
Monthly installment payment: ~$4,420
Total interest paid over 5 years: ~$25,200
Security: Lien registered on title — if she sells the home before completing payments, the lien forces payout of the remaining balance from sale proceeds
The critical tax distinction: installment payments that are part of an equalization payment under Ontario's Family Law Act are not taxable to the recipient and not deductible by the payer. They are a property settlement, not income. This is different from spousal support, which is deductible by the payer and taxable to the recipient under ITA s. 56(1)(b) and s. 60(b).
If the separation agreement accidentally characterizes the installments as spousal support instead of equalization, the tax treatment flips entirely — and the CRA will assess accordingly. Draft precision matters.
Installment Risks
- Default risk: If she loses her job or can't make payments, he has to enforce the lien — which could force a home sale, exactly the outcome both parties wanted to avoid
- Death of the payer: If she dies before completing the installments, the outstanding balance becomes a debt of her estate. Without life insurance specifically assigned to cover this, the estate may need to sell the home to pay the balance
- Remarriage or cohabitation: If she moves a new partner into the home and they contribute to payments, the Family Law Act doesn't automatically adjust the buyout terms — but it creates practical and emotional friction
- Opportunity cost for him: He receives $4,420/month instead of $400K today. If he could invest the lump sum at 6% average return, the 5-year opportunity cost is approximately $50,000–$70,000 of foregone investment growth
Option 3: Deferral — Pay $400K When a Trigger Event Occurs
She keeps the home. He retains a $400K interest in the property, paid out when the youngest child turns 18 (in 8 years) or the home is sold, whichever comes first. This is the most common structure when neither spouse can fund a buyout immediately and both want the children to stay in the home.
Deferral: $400K payable at trigger (youngest turns 18, or sale)
Trigger date: 8 years from separation (youngest child turns 18)
His interest: $400K fixed amount (or, alternatively, a percentage of the home's value at the trigger date)
Interest on deferred amount: Depends on the separation agreement. Options range from 0% (no interest — common when offset by exclusive possession) to Bank of Canada rate.
Carrying costs she bears alone during deferral:
- Mortgage: ~$1,100/month ($13,200/year)
- Property tax: ~$5,500/year on an $800K GTA home
- Maintenance, insurance, utilities (owner's share): ~$6,000–$8,000/year
- Total annual carrying cost: ~$24,700–$26,700
The Fixed-Amount vs Percentage-of-Value Choice
This is the decision within the decision, and it's where most separation agreements get the deferral structure wrong:
| Approach | Who benefits if home appreciates | Who benefits if home depreciates | Risk |
|---|---|---|---|
| Fixed $400K | Her (she keeps all appreciation) | Him (he still gets $400K regardless) | She may owe $400K on a home now worth $700K |
| % of value at trigger | Both (he shares in appreciation) | Both (he shares in depreciation) | Requires appraisal at trigger — potential for dispute |
In a rising GTA market, the fixed amount favours the staying spouse. In a flat or declining market, it favours the departing spouse. Over 8 years, GTA home prices could move 15–30% in either direction. The percentage approach shares that risk but introduces valuation disputes at the worst possible time — when both parties are trying to close a chapter.
The Real Cost of 8-Year Deferral
Deferral cost breakdown (8 years, 0% interest on deferred amount)
- His opportunity cost: $400K invested at 6% for 8 years = ~$637K. Foregone growth: ~$237,000
- Her carrying cost advantage: She lives in the home, so the $26K/year carrying cost is partially offset by avoided rent (~$2,500/month in the same Mississauga neighbourhood = $30K/year). Net annual benefit of staying: ~$3,000–$5,000/year
- Combined family cost of deferral vs immediate buyout: His $237K opportunity cost minus her net benefit ($24K–$40K over 8 years) = net family cost of ~$197,000–$213,000
Deferral is the most expensive structure for the family as a whole. It makes sense only when there is genuinely no other way to fund the buyout — no RRSP room for rollover, no refinance qualification, no other assets to offset.
The Comparison Table: All Three Structures on $400K
| Factor | Lump sum (1B: RRSP + refi) | Installment (5 years) | Deferral (8 years) |
|---|---|---|---|
| Immediate tax cost | $0 | $0 | $0 |
| Interest paid by her | ~$159K (mortgage, 25yr) | ~$25K (installment, 5yr) | $0 (if 0% agreed) |
| His opportunity cost | $0 (cash in hand) | ~$50K–$70K | ~$237K |
| Mortgage qualification | $440K on $95K income (tight) | $200K existing only | $200K existing only |
| Clean break | Yes | Partial (5-year tie) | No (8-year tie) |
| Default/enforcement risk | None | Moderate (lien) | High |
| Combined family cost (above $400K face) | ~$159K (mortgage int.) | ~$75K–$95K | ~$197K–$237K |
Read the bottom row carefully. The installment structure has the lowest total family cost over its 5-year term because the interest paid ($25K) is far less than the mortgage interest on 25 years ($159K), and the opportunity cost is moderate. But the lump sum provides the clean break that most separating couples need — and the RRSP rollover portion eliminates tax entirely on the first $160K.
Pick Lump Sum If... Pick Installment If... Pick Deferral If...
Pick lump sum (Option 1B) if:
- She can qualify for the increased mortgage ($440K on $95K income, or with spousal support factored in)
- There's enough RRSP room for a meaningful s. 60(j.1) rollover
- Both parties want a clean break — no ongoing financial entanglement
- He needs the capital now to buy his own home or invest
Best for: most couples where the buying spouse can refinance. This is the default recommendation.
Pick installment (Option 2) if:
- She can't qualify for the full refinance today but expects her income to rise (promotion, return to full-time work after kids are older)
- The RRSP rollover covers a large portion and only $100K–$150K needs to be installment-funded
- He doesn't need the full capital immediately and is willing to accept a secured lien
- Both parties can tolerate 3–5 years of financial connection
Best for: couples where cash is tight but the relationship is functional enough for a structured payout.
Pick deferral (Option 3) only if:
- There is genuinely no other way to fund the buyout — no RRSP, no refinance qualification, no other assets to offset
- Both parties explicitly prioritize keeping children in the home over financial efficiency
- The departing spouse accepts the opportunity cost and is willing to remain tied to the property for years
- A clear trigger event (youngest turns 18, home sells, remarriage) is defined in the separation agreement
Best for: low-asset divorces where keeping the children in the home is the overriding priority. Expensive but sometimes necessary.
The Part Most People Miss: The Asset Swap
There's a fourth approach that doesn't fit neatly into the three-option framework but often produces the best outcome. Instead of paying cash for the buyout, she keeps the home equity and he keeps an equivalent value in other assets:
- She keeps: $400K of home equity (her half of $600K net equity, plus the $200K she's “buying”)
- He keeps: $280K RRSP + $120K of non-registered investments or pension value = $400K offset
- Cash changing hands: $0
- Tax cost: $0 if the RRSP stays in his name and the pension/RRSP division is structured correctly
The asset swap only works when there are enough other assets to offset the home equity. For couples whose net worth is primarily in the home — common in the GTA, where a $800K house represents 70% or more of family assets — the swap leaves too little on one side.
Ontario-Specific Rules That Change the Calculation
Two Ontario rules make the matrimonial home buyout different from a standard property division:
1. No Date-of-Marriage Deduction (Family Law Act, s. 18(1))
For every asset except the matrimonial home, each spouse deducts the value they brought into the marriage when calculating net family property. If he owned a $300K condo before the marriage and it's now worth $500K, only the $200K of growth enters equalization. The matrimonial home is the exception: the full value at separation enters NFP with no date-of-marriage deduction. If she owned the home before the marriage and it was worth $400K then and $800K now, the full $800K is included in her NFP — not just the $400K of growth. This asymmetry often surprises the spouse who brought the home into the marriage.
2. Exclusive Possession Orders (Family Law Act, s. 24)
The court can grant one spouse exclusive possession of the matrimonial home for a specified period, even if the other spouse is on title. This is commonly used when children are involved and the court wants to minimize disruption. An exclusive possession order doesn't change the ownership or the equalization — it just determines who lives there while the buyout is being structured. It's the legal mechanism that makes the deferral option possible.
When to Sell Instead of Buy Out
The buyout isn't always the right call. Selling the home and splitting the proceeds is the better option when:
- Neither spouse can qualify for a mortgage large enough to buy out the other
- The home is the principal residence and the principal residence exemption under ITA s. 40(2)(b) eliminates any capital gain — making the sale tax-free
- Both parties need liquidity (e.g., to fund two new housing situations in a market where $800K homes are the norm)
- The marriage produced a pension division that consumes most of the non-home equalization, leaving the home as the primary liquid asset
- Maintenance costs on the home exceed what one income can sustain — a common problem with older GTA homes that need $30K–$50K of deferred maintenance
Selling is not a failure of negotiation. On an $800K home with the PRE available, it's $0 tax, clean split, and both parties start fresh. The emotional attachment to the home is real — but the math doesn't care about emotions, and the kids adjust faster than most parents expect.
Frequently Asked Questions
Q:How is the matrimonial home treated in an Ontario divorce in 2026?
A:Under Ontario's Family Law Act, the matrimonial home has unique legal status. Both spouses have an equal right to possession regardless of title (s. 18). Neither spouse can sell, mortgage, or lease the home without the other's written consent or a court order (s. 21). The home's full value at the date of separation is included in the owning spouse's net family property — critically, the matrimonial home does NOT get a date-of-marriage deduction the way other assets do (s. 18(1)). This means even if one spouse owned the home before the marriage, the full separation-date value is included in equalization. On a home worth $800K at separation, both spouses have a claim to half the equity regardless of who is on title or who made the down payment pre-marriage.
Q:Can I use my RRSP to fund a matrimonial home buyout without paying tax?
A:Yes, through the spousal RRSP rollover under ITA s. 60(j.1). If the separation agreement specifies that RRSP assets are being transferred as part of the equalization payment, the transfer happens trustee-to-trustee with no immediate tax. The receiving spouse takes on the deferred tax liability — they'll pay income tax when they eventually withdraw from their RRSP. This is fundamentally different from withdrawing your RRSP as cash to pay the buyout: a $200K RRSP withdrawal in Ontario triggers approximately $90,000–$107,000 in income tax (depending on your other income and the applicable marginal rates up to 53.53%). The rollover route saves that entire amount. Your family lawyer must reference s. 60(j.1) in the separation agreement for this to work.
Q:What are the tax consequences of selling the matrimonial home to fund the buyout?
A:If the matrimonial home is your principal residence, the principal residence exemption under ITA s. 40(2)(b) eliminates the capital gains tax on the sale. You can sell the home, split the proceeds, and owe $0 in capital gains tax — provided you haven't claimed the exemption on another property during the same years. The catch is that selling also eliminates the question of who keeps the home. If one spouse wants to stay (common when children are in school), the buyout structures discussed in this article apply instead. Selling is the simplest option but only works when both spouses are willing to move.
Q:How does refinancing work for a matrimonial home buyout in Ontario?
A:The buying spouse refinances the existing mortgage to pull out enough equity to pay the departing spouse their share. On a home worth $800K with a $200K mortgage, there's $600K of equity. If equalization requires a $400K payment, the buying spouse increases the mortgage from $200K to $600K and pays the $400K to the departing spouse. The new mortgage payments on $600K at mid-4% rates run approximately $3,100–$3,400/month over 25 years. The buying spouse must qualify for this mortgage on their income alone — which is where many buyouts fail. A household income of $150K+ is typically needed to carry a $600K mortgage under current stress-test rules (qualifying rate is the contract rate + 2%, or the benchmark rate, whichever is higher).
Q:What happens if the buying spouse can't afford the lump sum buyout?
A:Three options: (1) Installment payments over an agreed period, secured by a lien on the property. The separation agreement specifies the payment schedule, interest rate (if any), and what triggers acceleration (e.g., sale of the home, remarriage, death). (2) Deferral until a trigger event — commonly the youngest child turning 18 or finishing high school. The departing spouse retains a financial interest in the home until the trigger. (3) Asset swap — offset the home equity against other assets. For example, the buying spouse keeps the $400K of home equity and the departing spouse keeps $400K of RRSPs, non-registered investments, or pension value. The asset swap avoids any cash changing hands but requires both sides to have enough other assets to offset.
Q:Is interest on money borrowed for a matrimonial home buyout tax-deductible?
A:Generally no. Interest on a mortgage used to buy out your spouse's share of the matrimonial home is personal — it's not borrowed to earn investment income, so it doesn't qualify for the interest deduction under ITA s. 20(1)(c). However, if you borrow against the home to fund the buyout using non-registered investments (e.g., you sell investments to pay the buyout, then borrow to re-invest), the interest on the new borrowing may be deductible because the borrowed funds are being used to earn income. This is sometimes called the "cash dam" or "Smith Manoeuvre" approach. It requires careful structuring and a clear paper trail showing the borrowed funds were used for income-producing investments, not personal use.
Question: How is the matrimonial home treated in an Ontario divorce in 2026?
Answer: Under Ontario's Family Law Act, the matrimonial home has unique legal status. Both spouses have an equal right to possession regardless of title (s. 18). Neither spouse can sell, mortgage, or lease the home without the other's written consent or a court order (s. 21). The home's full value at the date of separation is included in the owning spouse's net family property — critically, the matrimonial home does NOT get a date-of-marriage deduction the way other assets do (s. 18(1)). This means even if one spouse owned the home before the marriage, the full separation-date value is included in equalization. On a home worth $800K at separation, both spouses have a claim to half the equity regardless of who is on title or who made the down payment pre-marriage.
Question: Can I use my RRSP to fund a matrimonial home buyout without paying tax?
Answer: Yes, through the spousal RRSP rollover under ITA s. 60(j.1). If the separation agreement specifies that RRSP assets are being transferred as part of the equalization payment, the transfer happens trustee-to-trustee with no immediate tax. The receiving spouse takes on the deferred tax liability — they'll pay income tax when they eventually withdraw from their RRSP. This is fundamentally different from withdrawing your RRSP as cash to pay the buyout: a $200K RRSP withdrawal in Ontario triggers approximately $90,000–$107,000 in income tax (depending on your other income and the applicable marginal rates up to 53.53%). The rollover route saves that entire amount. Your family lawyer must reference s. 60(j.1) in the separation agreement for this to work.
Question: What are the tax consequences of selling the matrimonial home to fund the buyout?
Answer: If the matrimonial home is your principal residence, the principal residence exemption under ITA s. 40(2)(b) eliminates the capital gains tax on the sale. You can sell the home, split the proceeds, and owe $0 in capital gains tax — provided you haven't claimed the exemption on another property during the same years. The catch is that selling also eliminates the question of who keeps the home. If one spouse wants to stay (common when children are in school), the buyout structures discussed in this article apply instead. Selling is the simplest option but only works when both spouses are willing to move.
Question: How does refinancing work for a matrimonial home buyout in Ontario?
Answer: The buying spouse refinances the existing mortgage to pull out enough equity to pay the departing spouse their share. On a home worth $800K with a $200K mortgage, there's $600K of equity. If equalization requires a $400K payment, the buying spouse increases the mortgage from $200K to $600K and pays the $400K to the departing spouse. The new mortgage payments on $600K at mid-4% rates run approximately $3,100–$3,400/month over 25 years. The buying spouse must qualify for this mortgage on their income alone — which is where many buyouts fail. A household income of $150K+ is typically needed to carry a $600K mortgage under current stress-test rules (qualifying rate is the contract rate + 2%, or the benchmark rate, whichever is higher).
Question: What happens if the buying spouse can't afford the lump sum buyout?
Answer: Three options: (1) Installment payments over an agreed period, secured by a lien on the property. The separation agreement specifies the payment schedule, interest rate (if any), and what triggers acceleration (e.g., sale of the home, remarriage, death). (2) Deferral until a trigger event — commonly the youngest child turning 18 or finishing high school. The departing spouse retains a financial interest in the home until the trigger. (3) Asset swap — offset the home equity against other assets. For example, the buying spouse keeps the $400K of home equity and the departing spouse keeps $400K of RRSPs, non-registered investments, or pension value. The asset swap avoids any cash changing hands but requires both sides to have enough other assets to offset.
Question: Is interest on money borrowed for a matrimonial home buyout tax-deductible?
Answer: Generally no. Interest on a mortgage used to buy out your spouse's share of the matrimonial home is personal — it's not borrowed to earn investment income, so it doesn't qualify for the interest deduction under ITA s. 20(1)(c). However, if you borrow against the home to fund the buyout using non-registered investments (e.g., you sell investments to pay the buyout, then borrow to re-invest), the interest on the new borrowing may be deductible because the borrowed funds are being used to earn income. This is sometimes called the "cash dam" or "Smith Manoeuvre" approach. It requires careful structuring and a clear paper trail showing the borrowed funds were used for income-producing investments, not personal use.
This is the kind of decision where a fee-only CFP can pay for itself in tax savings alone.
Life Money's advisors offer a flat-fee 90-minute consultation that walks through your specific numbers — buyout structure, RRSP rollover math, refinance qualification, and the real cost of deferral on your home equity. One session. No AUM fees. No ongoing commitment.
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