View source for How a Business Lawyer Structures Shareholder Agreements in London ON

<html><p> Shareholder agreements look deceptively simple on first read. Names, percentages, signatures, maybe a preemption clause or two. Then a founder resigns, a key investor pushes for a sale, or the company needs a seven-figure line of credit to survive a tight year. That’s when the document either earns its keep or becomes the costliest formality you ever signed. In London ON, where closely held corporations drive much of the local economy across construction, agri-tech, professional services, and health sciences, an experienced business lawyer doesn’t treat a shareholder agreement as boilerplate. It is the operating manual for how people with differing incentives make decisions together when pressure mounts.</p> <p> This article pulls from the patterns that recur in private companies across Southwestern Ontario. The statutes matter, especially the Ontario Business Corporations Act, but lived experience is what keeps clients out of fights they never wanted to have. What follows is how a seasoned business lawyer in a London ON Law firm structures shareholder agreements so they stand up to real life, not just a boardroom signing.</p> <h2> Start with the cap table, not the template</h2> <p> Every agreement sits on top of a capitalization table, and the cap table tells the real story. Who owns what type of shares, who paid cash, who contributed sweat, who holds options, who has a promissory note, and what vesting or conversion mechanics already exist. Before a single clause is drafted, a business lawyer reconciles all issued shares against the minute book, confirms that directors have properly authorized issuances, and surfaces any undocumented promises. If a founder told a developer “5 percent when we launch,” counsel either formalizes it or kills it. Half measures invite litigation.</p> <p> A clean cap table also guides share class design. Many London ON lawyers still see simple common-only structures in small corporations, and sometimes that works. But when investors arrive, you often introduce a class of preferred shares with specific rights, or at least create non-voting shares for family trusts in tax planning. If a founder is also the estate trustee for an elderly parent, the drafting needs to account for how shares pass under a will and whether the company’s right of first refusal triggers on death. An estate lawyer and business lawyer working together can save the family from a forced sale or a tax surprise.</p> <h2> Voting power is not just about percentages</h2> <p> Equal share percentages do not always mean equal control. Control emerges from a mix of voting thresholds, board composition, and reserved matters. For owner-managed companies in London, an experienced legal team looks at the personalities, not just the math.</p> <p> Here is the sequence that tends to work:</p> <ul>  <li> Set the board explicitly, with nomination rights tied to classes or percentage thresholds. Add a mechanism that adjusts board seats automatically when ownership changes, so you are not rewriting the agreement after every financing.</li> </ul> <p> Then define reserved matters that require supermajority or unanimous approval. A few decisions should never pass on a bare majority: issuing new shares, amending articles, granting security over all or substantially all assets, approving dividends, entering related-party contracts, and selling the business. For two- or three-shareholder companies, unanimity on these points can be a safeguard. For cap tables with five or more investors, unanimity can paralyze the company during a crisis. A lawyer balances dissent protections with operational agility, often landing at 66 2/3 percent or 75 percent thresholds for the big decisions.</p> <p> Voting deadlocks happen, even with good drafting. A common pattern is to give the chair a tie-break except on reserved matters. Another is to appoint an independent director with limited tie-breaking power on specified issues. If the business is family-owned, bringing in an outside director can be emotionally fraught, but it tends to keep holiday dinners civil.</p> <h2> Preemptive rights and dilution math that actually works</h2> <p> Preemptive rights let existing shareholders maintain their pro rata ownership in a new issuance. Most clients nod along here, but the devil hides in how you define “new issuance” and how you calculate the offer. A London ON lawyer will pin down exceptions: shares under an employee stock option plan up to a fixed <a href="https://pixabay.com/users/53768163/">London Ontario law practice</a> pool, shares issued under a bona fide acquisition, or securities issued to a bank as part of a credit facility. Without those carve-outs, the company can find itself frozen whenever it needs to recruit or borrow.</p> <p> Offer mechanics matter too. If the company offers 100,000 shares at 1.00 per share, each shareholder’s notice period should be short enough to keep financing on track, usually 10 to 20 business days. Staggered rounds can be efficient: first offer pro rata, then a second round for any unsubscribed shares to those who want more, then open to a third party. The agreement should give the board the right to adjust timelines if a bank or investor sets a hard closing date.</p> <p> Weighted-average anti-dilution sometimes appears in early-stage companies with venture investors. In practical terms, most owner-managed businesses in London do not need complex anti-dilution. Where it appears, counsel explains the math with clear examples so nobody wakes up shocked after a down round.</p> <h2> Dividends and distributions: cash flow meets tax</h2> <p> Dividends divide people. One shareholder is saving for a house, another wants to reinvest every dollar. A business lawyer does not dictate payout policy, rather the agreement frames it. If the company is profitable, the board may declare dividends, but that decision should align with covenants in bank agreements and the company’s working capital cycle. In construction or food processing, where receivables lag, aggressive dividends can starve the business.</p> <p> Tax matters complicate things. Some owners hold shares personally, others via a holding company. Inter-corporate dividends can be tax-free, but only if paid correctly. If dividends are discretionary across classes, ensure the agreement and share terms allow for that flexibility. A good estate lawyer will coordinate freeze shares and growth shares for succession planning, while the business lawyer ensures the shareholder agreement does not override the intended tax structure.</p> <h2> Transfer restrictions that protect value without trapping people</h2> <p> No one wants to be forced into business with a stranger who just inherited 30 percent of the company. Transfer restrictions exist for that reason, but too much restriction turns shares into a financial cul-de-sac.</p> <p> Right of first refusal and right of first offer are the workhorses. In London ON practice, right of first refusal works well when there are only a few shareholders who can realistically finance a buy. If a shareholder gets a bona fide third-party offer, the company or other shareholders can match it within a defined period. Right of first offer, in contrast, asks the seller to offer shares internally before shopping them externally. It is administratively simpler and reduces gamesmanship around fabricated offers.</p> <p> A practical clause allows the company to buy shares for cancellation before other shareholders step in. This protects control and prevents cap table sprawl. If the company is capital constrained, the agreement can stagger closing in tranches or permit partial purchases.</p> <p> Permitted transfers often include transfers to holding companies or family trusts for tax planning, provided the ultimate control remains the same person. Counsel makes those conditions explicit, including a requirement that the transferee agrees in writing to the shareholder agreement.</p> <h2> Death, disability, and insurance that actually pays when it should</h2> <p> Buy-sell provisions around death and disability are where legal drafting meets financial reality. Without them, a deceased shareholder’s estate can end up with illiquid paper and the surviving owners can end up negotiating with grieving relatives. With them, there is a path to liquidity and continuity.</p> <p> A robust agreement addresses how the purchase price will be set. Fixed formulas are tidy until they are not. If revenue triples, a five-year-old formula can underprice the company badly. Many London ON lawyers blend methods: an agreed valuation method updated annually, failing which an independent valuator is appointed, with costs shared. The agreement should clarify normalization adjustments, treatment of shareholder loans, and whether insurance proceeds offset purchase price or fund it.</p> <p> Key person life and critical illness insurance are tools, not panaceas. Policies need to be owned by the right entity and correctly designated, or tax consequences can blight the payout. If the company is the owner and beneficiary of a policy on a shareholder’s life, the agreement should state how those proceeds factor into the purchase price. Some clients prefer the proceeds to fund the buyout without changing the valuation. Others credit proceeds against the price to prevent a double benefit. Pick one and write it clearly.</p> <h2> Drag-along and tag-along: planning for the day a buyer appears</h2> <p> At some point, a larger company may knock with an offer to acquire the business. Drag-along rights allow majority shareholders to compel minority shareholders to sell on the same terms. Tag-along rights let minority shareholders join a sale if control passes. These clauses prevent last-minute holdouts that blow up deals and ensure minorities get equivalent treatment.</p> <p> The art lies in the thresholds. If you set drag at a simple majority, you invite abuse. If you set it too high, say 90 percent, a single holdout can stall a fair deal. In London’s mid-market, 66 2/3 percent or 75 percent tends to balance deal certainty with minority protection. A well-drafted tag clause ties to any sale of a specified percentage of shares or substantially all assets, to prevent control sales disguised as asset transactions.</p><p> <img  src="https://rrlaw.ca/wp-content/uploads/2025/01/Litigation-2048x1367.jpg" style="max-width:500px;height:auto;" ></img></p> <p> One more point that trips people up: representations and warranties in a sale. Minority holders should only give limited reps about their own shares and capacity, while the company and selling control group provide operational reps. The shareholder agreement can pre-negotiate this allocation so you are not wrangling it under a letter of intent deadline.</p> <h2> Non-compete, non-solicit, and confidentiality with Ontario nuance</h2> <p> Restrictive covenants live in a tricky space in Ontario. The common law treats non-competes skeptically. For employees, the Working for Workers Act 2021 largely prohibited non-competes, with exceptions for the sale of a business. Shareholder agreements sit closer to commercial transactions than employment, which means properly scoped non-competes are more defensible. The keys are reasonableness in geography, duration, and scope.</p> <p> If your business sells medical devices across Canada, a 12 to 24 month non-compete limited to Canadian markets in the same product category may withstand scrutiny. If the business only serves clients in Southwestern Ontario, drawing the territory as North America is overreach. Non-solicits are easier to enforce and often more valuable. Preventing a departing shareholder from poaching the top five clients and the operations manager can protect the company without hampering someone’s career unnecessarily.</p> <p> Confidentiality clauses should outlive share ownership. The agreement should define what is confidential, carve out public information, and set a practical duration. If you have trade secrets or algorithms, confidentiality may need to be indefinite.</p><p> <img  src="https://rrlaw.ca/wp-content/uploads/2025/01/Franchise-2048x1365.jpg" style="max-width:500px;height:auto;" ></img></p><p> <img  src="https://rrlaw.ca/wp-content/uploads/2025/01/Real-state-2048x1365.jpg" style="max-width:500px;height:auto;" ></img></p> <h2> Dispute resolution that gets used, not ignored</h2> <p> Disputes rarely erupt in the boardroom; they simmer in email threads and missed meetings. When they do surface, you want a channel that moves quickly. A good shareholder agreement builds a ladder: negotiation between principals, then mediation with a named service provider or agreed protocol, then arbitration or court.</p> <p> Arbitration clauses are not a default. They can be efficient for technical disputes, but they cost money and lack appeals. In closely held companies, speed often matters more than precedent. A tailored arbitration clause that sets expedited timelines, limits discovery, and appoints arbitrators with corporate law experience can be effective. For small companies with limited budgets, mediation followed by court may be more realistic. London ON lawyers often use local mediators who know the business <a href="https://www.gamespot.com/profile/melunegbvz/">experienced law firms London</a> community, which shortens the learning curve.</p> <p> Fee shifting can deter frivolous actions. A clause that allows the prevailing party to recover reasonable legal fees pushes everyone toward settlement and away from performative litigation. It should be symmetric and subject to the arbitrator or judge’s discretion.</p> <h2> Employee equity and vesting without chaos</h2> <p> Bringing in key employees as shareholders can align incentives, but it also multiplies complexity. The agreement, or a linked equity plan, should spell out vesting, acceleration on change of control, and repurchase rights on departure. Time-based vesting over three or four years with a one-year cliff is common for growth companies. In traditional businesses, milestone-based vesting tied to profit targets or project completion sometimes makes more sense.</p> <p> If a vested employee leaves, the company should have the right, but not the obligation, to repurchase shares at a formula price. Distinguish between good leavers and bad leavers. A good leaver, such as someone who departs on retirement or with board consent, might receive fair market value. A bad leaver, such as someone terminated for cause or who breaches confidentiality, might receive a discount or cost base. Those definitions need careful drafting to avoid weaponization.</p> <h2> Banking, security, and personal guarantees</h2> <p> Growth often relies on credit facilities. Banks in London ON routinely require general security agreements over corporate assets and, for smaller businesses, personal guarantees from major shareholders. Your shareholder agreement should anticipate that pressure. Include an obligation for shareholders to deliver guarantees proportionate to their ownership or board-approved ratios, and a mechanism to release or rebalance guarantees if ownership changes.</p> <p> If one shareholder refuses to sign a guarantee, the facility may die. A default clause can treat failure to support a bank-required guarantee as a material breach, triggering buyout rights. The point is not to punish, it is to avoid having financing hinge on last-minute brinkmanship.</p> <h2> Governance hygiene: meetings, information rights, and minute books</h2> <p> Good governance is not bureaucracy. It is how you maintain trust. The agreement should fix a cadence for board and shareholder meetings with clear notice provisions. Virtual meetings are now default in many organizations, but check your articles and by-laws for alignment.</p> <p> Information rights deserve specificity. Minority shareholders should receive timely financial statements, budgets, and material contracts summaries. Quarterly management accounts and an annual budget package are standard. If the company is audited or reviewed, the agreement can require delivery of those reports, but many small companies choose compilation engagements to control costs. What matters is consistency and enough transparency to keep everyone engaged.</p> <p> The corporate minute book needs to match reality. London ON lawyers still encounter companies with missing director consents, unsigned share certificates, and share issuances not properly authorized. During a financing or sale, those gaps slow due diligence and reduce purchase price. Part of structuring a shareholder agreement is rebuilding the minute book so the contract has a solid home.</p> <h2> Pricing the business when you need to buy someone out</h2> <p> Valuation causes friction because people value what they built more than a spreadsheet ever will. The agreement <a href="https://www.anime-planet.com/users/solenawyqx">construction project lawyer</a> should choose a method that people can live with when they are unhappy. Options include a multiple of EBITDA, an independent valuation, or a hybrid. Multiples must be grounded in the company’s sector. A local HVAC business might trade at 3.5 to 5.5 times normalized EBITDA. A software company with recurring revenue may justify 6 to 8 times or more, but only with real churn and margin data.</p> <p> Normalization is where fights start. Remove one-time items, adjust for owner compensation to market rates, and consider lease terms if there is a related-party landlord. Put those rules in the agreement. If you choose an independent valuator, pre-qualify a panel of firms and a selection process. Include a binding timeline, for example 45 to 60 days, and a final-and-binding clause with limited grounds to challenge for manifest error.</p> <p> Payment terms are as important as price. Few private companies can cut a multi-million dollar cheque on short notice. The agreement can allow staged payments with interest, a down payment funded by insurance, and security for the balance. If staged payments carry 5 to 8 percent interest, say so, and define prepayment rights.</p> <h2> Tax planning and family dynamics</h2> <p> London has many family-run companies where ownership and legacy weave together. A shareholder agreement that ignores family dynamics is brittle. If the founder intends to transfer voting control to one child who runs the business and economic benefits to siblings through dividends, the share structure and agreement must reflect that plan. An estate lawyer will coordinate an estate freeze so future growth accrues to the next generation’s shares, while the business lawyer tunes <a href="https://www.instapaper.com/read/1946501400">Ontario lawyer advice</a> drag, tag, and transfer restrictions so they do not defeat the freeze.</p> <p> Consider marriage breakdown. A family lawyer can advise on domestic contracts that exclude corporate shares from equalization, but the shareholder agreement can require spousal consents acknowledging transfer restrictions. This helps keep shares from moving in a separation contrary to the company’s rules.</p> <h2> When to revisit and how to amend</h2> <p> Businesses change. Agreements must evolve. Build in a routine review cycle, ideally annually when the board reviews strategy and budgets. Track what worked and what chafed. If a clause required unanimous consent on small lease renewals and caused two months of delay, lower the threshold for that specific decision.</p> <p> Amendment thresholds should not be casual. Many firms set them at 66 2/3 percent or 75 percent of voting shares, with unanimous consent required for changes that affect class rights, transfer restrictions, or economic allocations. This protects minority holders from a bait-and-switch while allowing genuine course corrections.</p> <h2> Common mistakes that cost more than the drafting ever would</h2> <p> From years of reviewing shareholder disputes and cleaning up after rushed incorporations, a business lawyer in London ON sees the same missteps repeatedly.</p> <ul>  <li> <p> Using a one-page template that ignores vesting, valuation, and exit mechanics, then relying on handshake deals for everything else.</p></li> <li> <p> Setting unrealistic buyout formulas that cannot be financed, for example demanding full fair market value in 30 days with no financing contingency.</p></li> <li> <p> Leaving deadlock to “we will sort it out,” which becomes years of paralysis and lost market share.</p></li> <li> <p> Overreaching on non-competes to the point of unenforceability, instead of drafting reasonable non-solicits that courts respect.</p></li> <li> <p> Failing to align the agreement with banking covenants, so routine dividends or related-party leases breach the facility.</p><p> <iframe  src="https://www.google.com/maps/embed?pb=!1m18!1m12!1m3!1d3621.8053983578043!2d-81.24232972337344!3d42.98403039545246!2m3!1f0!2f0!3f0!3m2!1i1024!2i768!4f13.1!3m3!1m2!1s0x882ef210190853e7%3A0x8a91906e90ea560a!2sRefcio%20%26%20Associates!5e1!3m2!1sen!2s!4v1751392916341!5m2!1sen!2s" width="560" height="315" style="border: none;" allowfullscreen="" ></iframe></p></li> </ul> <p> Each of these can be fixed in advance at a fraction of the cost of litigating them later.</p> <h2> How local context shapes the drafting</h2> <p> London’s business ecosystem brings its own patterns. Manufacturing and construction firms often run on thin margins and rely on bonding and letters of credit, which restrict dividends and require personal guarantees. Tech and life sciences companies center on intellectual property and employee equity. Professional practices, such as dental or veterinary corporations, face regulatory constraints on who can hold voting shares. A London ON law firm with a broad practice, like Refcio & Associates, will pull in the right specialist when needed, whether a real estate lawyer to sort a related-party lease, an estate lawyer for a freeze, a bankruptcy lawyer for insolvency-proofing covenants, or a family lawyer to coordinate spousal consents. Clients benefit when these pieces harmonize rather than collide.</p> <p> Geographic reach matters too. If you sell across the border, your agreement should contemplate US law issues around data, export controls, or revenue recognition, even if the company is purely Ontario-incorporated. If you own your premises, the agreement needs to consider whether the real estate sits in the company or a separate holding corporation. The wrong choice can expose valuable property to operating risk or frustrate a sale.</p> <h2> A practical path from kickoff to signature</h2> <p> Clients often ask how long this takes and what it costs. Timelines vary with complexity, but a disciplined process keeps momentum:</p> <ul>  <li> Discovery and mapping. Gather the minute book, cap table, employment agreements, bank facilities, and any side letters. Identify the goals and pressure points. This takes one to two weeks in most cases.</li> </ul> <p> Drafting and markups come next. The first draft arrives within 10 to 15 business days. Expect two rounds of comments and a short meeting to hash out reserved matters, valuation, and transfer restrictions. If insurance or a financing facility is involved, bring those advisors in early so the documents align.</p> <p> Execution follows once everyone understands the trade-offs. Share certificates are updated, resolutions signed, and any ancillary agreements executed: buy-sell insurance assignments, option plans, spousal consents, and banking acknowledgments. A well-run engagement lands in four to eight weeks, faster if the cap table is simple and the shareholders are aligned.</p> <h2> What a well-structured agreement feels like a year later</h2> <p> A year after signing, the measure is not whether anyone remembers a clause number. It is how decisions flow. The board meets on schedule, gets the right information, and records minutes that match the agreement. When a shareholder wants to sell a portion of their shares, the right of first offer kicks in cleanly. When an employee leaves, the repurchase right operates without argument. The bank renews the facility without surprise because covenants were respected. Dividends, if declared, come with tax advice attached and do not trip debt agreements.</p> <p> If a health scare hits a founder, the insurance policy pays as expected, the valuation mechanism activates, and the family receives liquidity without scrambling. If a buyer appears, drag and tag coordinate the sale rather than derail it. Most importantly, the people who built the company still speak to each other like partners rather than litigants.</p> <h2> Local support and integrated legal services</h2> <p> Shareholder agreements sit at the crossroads of corporate law, tax, employment, real estate, and family dynamics. London ON lawyers who see these intersections daily can guide clients through complicated choices with practical sense. A full-service law firm can pull in a real estate lawyer to restructure a lease ahead of a buyout, or a bankruptcy lawyer to stress-test covenants and personal guarantees against downside scenarios. When estate planning enters the picture, coordination with an estate lawyer avoids contradictory documents.</p> <p> Businesses in London and the surrounding communities often prefer a single point of contact who understands the company’s history. Firms like Refcio & Associates deliver legal services London companies can rely on, across business lawyer support for incorporations and shareholder agreements, and adjacent needs that inevitably surface as a company grows.</p> <p> Crafting a shareholder agreement is not about predicting every twist. It is about building resilience into relationships and systems so the company can move quickly without leaving people behind. With thought, candour, and local experience, the document becomes a quiet asset, rarely discussed, often relied upon, and invaluable when the stakes rise.</p><p> </p><p> </p><p><div>
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Refcio &amp; Associates is a full-service law firm based in London, Ontario, supporting clients across Ontario with a wide range of legal services.<br>
Refcio &amp; Associates provides legal services that commonly include real estate law, corporate and business law, employment law, estate planning, and litigation support, depending on the matter.<br>
Refcio &amp; Associates operates from 380 York St, London, ON N6B 1P9 and can be found here: <a href="https://www.google.com/maps/search/?api=1&amp;query=Refcio%20%26%20Associates%2C%20380%20York%20St%2C%20London%2C%20ON%20N6B%201P9" target="_blank" rel="noopener">Google Maps</a>.<br>
Refcio &amp; Associates can be reached by phone at (519) 858-1800 for general inquiries and appointment scheduling.<br>
Refcio &amp; Associates offers consultative conversations and quotes for prospective clients, and details can be confirmed directly with the firm.<br>
Refcio &amp; Associates focuses on helping individuals, families, and businesses navigate legal processes with clear communication and practical next steps.<br>
Refcio &amp; Associates supports clients in London, ON and surrounding communities in Southwestern Ontario, with service that may also extend province-wide depending on the file.<br>
Refcio &amp; Associates maintains public social profiles on Facebook and Instagram where the firm shares updates and firm information.<br>
Refcio &amp; Associates is open Monday through Friday during posted business hours and is typically closed on weekends.<br>
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<h2>People Also Ask about Refcio &amp; Associates</h2>

<h3>What types of law does Refcio &amp; Associates practice?</h3>
<p>Refcio &amp; Associates is a law firm that works across multiple practice areas. Based on their public materials, their work often includes real estate matters, corporate and business law, employment law, estate planning, family-related legal services, and litigation support. For the best fit, it’s smart to share your situation and confirm the right practice group for your file.</p><br>

<h3>Where is Refcio &amp; Associates located in London, ON?</h3>
<p>Their main London office is listed at 380 York St, London, ON N6B 1P9. If you’re traveling in, confirm parking and arrival instructions when booking.</p><br>

<h3>Do they handle real estate transactions and closings?</h3>
<p>They commonly assist with real estate legal services, which may include purchases, sales, refinances, and related paperwork. The exact scope and timelines depend on your transaction details and deadlines.</p><br>

<h3>Can Refcio &amp; Associates help with employment issues like contracts or termination matters?</h3>
<p>They list employment legal services among their practice areas. If you have an urgent deadline (for example, a termination or severance timeline), contact the firm as soon as possible so they can advise on next steps and timing.</p><br>

<h3>Do they publish pricing or offer flat-fee options?</h3>
<p>The firm publicly references pricing information and cost transparency in its materials. Because legal matters can vary, you’ll usually want to request a quote and confirm what’s included (and what isn’t) for your specific file.</p><br>

<h3>Do they serve clients outside London, Ontario?</h3>
<p>Refcio &amp; Associates indicates service across Southwestern Ontario and, in many situations, across the Province of Ontario (including virtual meetings where appropriate). Availability can depend on the type of matter and where it needs to be handled.</p><br>

<h3>How do I contact Refcio &amp; Associates?</h3>
<p>
  Call <a href="tel:+15198581800">(519) 858-1800</a>, email freeconsult@rrlaw.ca, or visit https://rrlaw.ca.<br>
  Social: <a href="https://www.facebook.com/refcioassociates/" target="_blank" rel="noopener">Facebook</a> | <a href="https://www.instagram.com/refcio_and_associates/?hl=en" target="_blank" rel="noopener">Instagram</a> | <a href="https://www.youtube.com/channel/UCbv6CLMmsBT2lJoYA6wVHXw" target="_blank" rel="noopener">YouTube</a>
</p><br>

<h2>Landmarks Near London, ON</h2>

<p>
  Refcio &amp; Associates is proud to serve the <a href="https://www.google.com/maps/search/?api=1&amp;query=London%2C%20ON" target="_blank" rel="noopener">London, ON</a> community and provides legal services for individuals, families, and businesses.<br>
  If you’re looking for legal services in <a href="https://www.google.com/maps/search/?api=1&amp;query=London%2C%20ON" target="_blank" rel="noopener">London, ON</a>, visit Refcio &amp; Associates near <a href="https://www.google.com/maps/search/?api=1&amp;query=Budweiser%20Gardens%2C%20London%2C%20ON" target="_blank" rel="noopener">Budweiser Gardens</a>.
</p>

<p>
  Refcio &amp; Associates is proud to serve the <a href="https://www.google.com/maps/search/?api=1&amp;query=Downtown%20London%2C%20ON" target="_blank" rel="noopener">Downtown London</a> community and offers support across a range of legal matters.<br>
  If you’re looking for a law firm in <a href="https://www.google.com/maps/search/?api=1&amp;query=Downtown%20London%2C%20ON" target="_blank" rel="noopener">Downtown London</a>, visit Refcio &amp; Associates near <a href="https://www.google.com/maps/search/?api=1&amp;query=Covent%20Garden%20Market%2C%20London%2C%20ON" target="_blank" rel="noopener">Covent Garden Market</a>.
</p>

<p>
  Refcio &amp; Associates is proud to serve the <a href="https://www.google.com/maps/search/?api=1&amp;query=London%2C%20ON" target="_blank" rel="noopener">London, ON</a> community and provides legal services with a practical, client-focused approach.<br>
  If you’re looking for legal services in <a href="https://www.google.com/maps/search/?api=1&amp;query=London%2C%20ON" target="_blank" rel="noopener">London, ON</a>, visit Refcio &amp; Associates near <a href="https://www.google.com/maps/search/?api=1&amp;query=London%20Convention%20Centre%2C%20London%2C%20ON" target="_blank" rel="noopener">London Convention Centre</a>.
</p>

<p>
  Refcio &amp; Associates is proud to serve the <a href="https://www.google.com/maps/search/?api=1&amp;query=London%2C%20ON" target="_blank" rel="noopener">London, ON</a> community and supports clients with business and personal legal needs.<br>
  If you’re looking for a law firm in <a href="https://www.google.com/maps/search/?api=1&amp;query=London%2C%20ON" target="_blank" rel="noopener">London, ON</a>, visit Refcio &amp; Associates near <a href="https://www.google.com/maps/search/?api=1&amp;query=Victoria%20Park%2C%20London%2C%20ON" target="_blank" rel="noopener">Victoria Park</a>.
</p>

<p>
  Refcio &amp; Associates is proud to serve the <a href="https://www.google.com/maps/search/?api=1&amp;query=London%2C%20ON" target="_blank" rel="noopener">London, ON</a> community and provides legal services that may include real estate and business matters.<br>
  If you’re looking for legal services in <a href="https://www.google.com/maps/search/?api=1&amp;query=London%2C%20ON" target="_blank" rel="noopener">London, ON</a>, visit Refcio &amp; Associates near <a href="https://www.google.com/maps/search/?api=1&amp;query=Museum%20London%2C%20London%2C%20ON" target="_blank" rel="noopener">Museum London</a>.
</p>

<p>
  Refcio &amp; Associates is proud to serve the <a href="https://www.google.com/maps/search/?api=1&amp;query=London%2C%20ON" target="_blank" rel="noopener">London, ON</a> community and helps clients navigate legal processes with clear next steps.<br>
  If you’re looking for a law firm in <a href="https://www.google.com/maps/search/?api=1&amp;query=London%2C%20ON" target="_blank" rel="noopener">London, ON</a>, visit Refcio &amp; Associates near <a href="https://www.google.com/maps/search/?api=1&amp;query=Grand%20Theatre%2C%20London%2C%20ON" target="_blank" rel="noopener">Grand Theatre</a>.
</p>

<p>
  Refcio &amp; Associates is proud to serve the <a href="https://www.google.com/maps/search/?api=1&amp;query=London%2C%20ON" target="_blank" rel="noopener">London, ON</a> community and offers legal services for individuals and organizations.<br>
  If you’re looking for legal services in <a href="https://www.google.com/maps/search/?api=1&amp;query=London%2C%20ON" target="_blank" rel="noopener">London, ON</a>, visit Refcio &amp; Associates near <a href="https://www.google.com/maps/search/?api=1&amp;query=Western%20University%2C%20London%2C%20ON" target="_blank" rel="noopener">Western University</a>.
</p>

<p>
  Refcio &amp; Associates is proud to serve the <a href="https://www.google.com/maps/search/?api=1&amp;query=London%2C%20ON" target="_blank" rel="noopener">London, ON</a> community and provides legal services that may include employment and contract-related support.<br>
  If you’re looking for a law firm in <a href="https://www.google.com/maps/search/?api=1&amp;query=London%2C%20ON" target="_blank" rel="noopener">London, ON</a>, visit Refcio &amp; Associates near <a href="https://www.google.com/maps/search/?api=1&amp;query=Fanshawe%20College%2C%20London%2C%20ON" target="_blank" rel="noopener">Fanshawe College</a>.
</p>

<p>
  Refcio &amp; Associates is proud to serve the <a href="https://www.google.com/maps/search/?api=1&amp;query=London%2C%20ON" target="_blank" rel="noopener">London, ON</a> community and offers legal services with an emphasis on practical outcomes.<br>
  If you’re looking for legal services in <a href="https://www.google.com/maps/search/?api=1&amp;query=London%2C%20ON" target="_blank" rel="noopener">London, ON</a>, visit Refcio &amp; Associates near <a href="https://www.google.com/maps/search/?api=1&amp;query=Storybook%20Gardens%2C%20London%2C%20ON" target="_blank" rel="noopener">Storybook Gardens</a>.
</p>

<p>
  Refcio &amp; Associates is proud to serve the <a href="https://www.google.com/maps/search/?api=1&amp;query=London%2C%20ON" target="_blank" rel="noopener">London, ON</a> community and supports a range of legal needs for local residents and businesses.<br>
  If you’re looking for a law firm in <a href="https://www.google.com/maps/search/?api=1&amp;query=London%2C%20ON" target="_blank" rel="noopener">London, ON</a>, visit Refcio &amp; Associates near <a href="https://www.google.com/maps/search/?api=1&amp;query=London%20International%20Airport%2C%20London%2C%20ON" target="_blank" rel="noopener">London International Airport</a>.
</p>
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