Tax Planning

Would You Like to Shrink Your Yearly Tax Burden?
Our Proprietary Plan Will Minimize Your Tax Liability.

Our tax planning professionals focus on mastering the nuances of tax law, complex tax codes and staying up-to-date on changes that will affect your tax returns throughout the year.

We do this because we know that planning is the key to valuable tax savings and we want to help you plan for greater income by implementing tax savings strategies throughout the year that will benefit you all year long.

Our clients pay the least amount of taxes allowable by law because we help them look for ways to minimize their tax burden.

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Let us help you with your tax planning, too!

Did you know, for instance, that you can:

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Move your income into lower tax brackets by splitting income among family members or legal entities.

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Shift income and/or expenses to different years in order to best take advantage of lower rates.

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Defer tax liability through some types of investment options.

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Avoid tax liability through some types of investment options, both on the federal and provincial level.

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Increase your tax deductions by purchasing things that you enjoy.

These, and other Tax Saving Strategies will help you:

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Benefit from the growth and savings of your own assets by keeping them out of the government’s hands.

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Reduce taxes on investments so that you can grow your money quicker.

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Keep more of what you make by reducing your taxed income.

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Defer income in order to keep your money now and pay your taxes later.

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Understand estate taxes and planning so that your family gets to keep more of what you make.

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Give money while reducing taxes to maximize your giving potential.

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Plan for retirement in ways that best benefit you.

When you become our client, you are paying for a tax planning service that will  pay you back. Most of our clients experience tax burden relief, as well as time saved and peace of mind. Our fees are often paid back through the reduced tax liability you will enjoy as part of our planning and legitimate tax savings strategies.

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Free Advice on Capital Gains Tax: What Canadian Owners Should Know Before They Sell

A signed offer on a rental property, a buyer for the corporation, or a stock position that has finally doubled: the moment a large gain becomes real, the tax question arrives quickly. Most people search for free advice first, and most of what they find is either...
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Real Estate Tax Planning Strategies: The Two Rules Most Guides Skip

Most articles on real estate tax planning in Canada lead with the same list: claim your CCA, split income with family, hold through a corporation. That list is not wrong, but it skips two rules that can undo an otherwise solid plan, one that applies the moment a...
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Non Profit Bookkeeping in Canada: The Rules That Don’t Apply to a Regular Business

A small non-profit's treasurer once told us they weren't worried about CRA filings because they weren't a registered charity. That's true as far as it goes, but it's also exactly the kind of gap that leaves an organization unprepared, since non-profits and charities...
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Tax Planning for Dentists in Canada: The Decisions That Matter Most Before You Sell

Most dentists think about tax planning as something that happens every April. For a dentist who owns a practice, the biggest tax decision of a career usually happens only once, the day the practice gets sold, and by then it is often too late to fix the structure that...
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Tax Planning for Doctors in Canada: Where the Usual Playbook Stops Working

A busy family doctor and a corporate lawyer earning the same income end up with very different tax bills, and the gap has almost nothing to do with how hard either of them works. It comes down to structure, and for physicians in particular, some of the standard...
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CRB Repayment in Canada: Why the CRA Is Still Sending Bills for It

A letter from the CRA about the Canada Recovery Benefit can be confusing in a way a CERB letter usually isn't. With CERB, the question is simple: were you eligible or not. With CRB, the CRA has two completely separate reasons to ask for money back, and they work in...
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Tax Planning Strategies for High Income Earners in Canada: Keeping More of Every Extra Dollar

A strong year at work, a large bonus, or a well-timed sale of investments can push taxable income past $258,482, where every extra dollar lands in the top federal bracket. Once provincial tax is added, more than half of each additional dollar goes to tax in Ontario...
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Inheritance Tax Planning in Canada: What Your Estate Will Actually Owe

Leaving an inheritance in Canada does not trigger a government inheritance tax bill. It can still trigger a large one, just under a different name, and it lands on the deceased rather than the beneficiary. Deemed disposition treats everything they owned as sold at...
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Corporate Tax Planning in Canada: Managing the Small Business Rate and Salary vs. Dividends

Incorporating a business does not, by itself, save any tax. The savings come from how the corporation is actually run afterward, and specifically from three decisions that interact with each other on every return, and that sit at the center of tax planning strategies...
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Retirement Tax Planning in Canada: Managing RRIF Withdrawals and the OAS Clawback

A retirement savings plan built for accumulation does not automatically work for withdrawal. The rules that governed decades of contributing to an RRSP flip once income starts coming out, and the accounts, pensions, and government benefits a retiree draws from all...
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