Pre-commitment — Boersma's 10b5-1 in substance, not in form

Rule 10b5-1 itself needs a public stock and does nothing for you. What transfers is the discipline his filing demonstrates: the quantity, the dates and the trigger were fixed on 19 February 2026, so November's price had no standing to argue with them. He sold almost the same number of shares at a 19% lower price because the plan was denominated in shares and he was not permitted to renegotiate with himself.

For a private-company owner the equivalent governs the money you can move: a fixed monthly transfer to TFSA and RRSP on a set date; a rebalancing rule with a calendar trigger rather than a price trigger; and a written decision about where a dividend or bonus goes, made before it lands in your account.