We design and implement personalized plans based on your unique business structure, income, and long-term goals. Our core strategies include:

Income Splitting

Minimize family taxes by paying reasonable compensation to family members, either through dividends or salaries—legally and strategically.

Holding Companies & Investment Corporations

Use a holding company to isolate risk, shelter retained earnings and invest passively without affecting your active business income.

Corporate-Owned Life Insurance

Access the power of permanent insurance (like Whole Life or Universal Life) to:

Grow corporate assets tax-free

Fund buy-sell agreements

Cover taxes due on death

Unlock your Capital Dividend Account (CDA) for tax-free shareholder payouts

Individual Pension Plans (IRP)

We design structured retirement plans that allow for larger contributions than RRSPs—fully deductible by your corporation.

Capital Dividend Account (CDA) Optimization

We help you unlock tax-free dividends to shareholders through careful planning around investments, insurance, and capital gains.

Section 85 Rollovers & Estate Freezes

Transfer assets into a corporation or freeze their value for future generations—without triggering immediate tax.

The 83-12 Strategy (Advanced Tax Optimization)

Take advantage of Paragraph 83(2)(b) and Subsection 12.2 of the Income Tax Act to extract retained earnings through life insurance tax-free, while maintaining full control and ownership.