Taxes touch everything—your business income, investments, real estate, estates, even gifts to family. We treat tax planning as a year-round discipline. Our team helps you uncover efficiencies, reduce tax drag, and structure wealth so more of it stays working for you—now and for decades.
Corporate tax planning built for owners
Smart corporate planning is about structure. If you’re an incorporated professional, entrepreneur, or family enterprise, we align personal and corporate wealth so the pieces support each other. We’ll help you decide salary vs. dividends, design holding-company strategies, manage active and passive income, and retain earnings the right way.
Thinking of a sale or succession? We position your company early—share classes, CDA planning, and documentation—so you extract value tax-efficiently and keep options open. Because we’ve worked closely with owners and sit in CEO forums, our guidance accounts for real-world pressures like cash flow, payroll, benefits, disability risk, and team continuity.
Tax efficiency across life stages
Your plan should evolve with your life. We coordinate RRSP/RRIF, TFSA, non-registered, and corporate accounts so each dollar has a job and a timeline. We smooth income with withdrawal sequencing, pension integration, and income-splitting where appropriate.
For families supporting adult children or parents, we map cash flows and attribution rules so help remains generous—and tax-aware. Entering retirement? We set spending guardrails and model “what-ifs” so you can live well without second-guessing.
Capital gains done thoughtfully
Selling a business, property, or concentrated investment requires a plan—before you sign. We model scenarios to minimize taxes and surprise T1 balances: using the Lifetime Capital Gains Exemption (when available), capital dividend account opportunities, timing dispositions across calendar years, harvesting losses to offset gains, and gifting appreciated securities to charity to reduce tax and amplify impact.
The goal is simple: keep more of the proceeds working toward your next chapter.
Coordination that closes the loop
We work directly with your accountant and lawyer—agreeing on roles, timelines, and documents—so strategies are implemented cleanly and on time. From trust updates and beneficiary designations to shareholder resolutions and corporate distributions, you’ll see one connected plan instead of siloed advice.
Staying a step ahead
Rules change. Markets move. We monitor both and adjust before changes hit your bottom line. Whether it’s shifts to inclusion rates, new credits, or evolving small-business rules, we refresh your plan and explain the trade-offs in plain language.
You’ll know what we’re changing, why it matters, and what it means for your cash flow and taxes this year—and next.