Managing your wealth

Protect it

Tax Planning

You can grow the wealth you have accumulated while minimizing your tax burden with a careful tax-planning strategy.

There are several tax strategies and other considerations that can help decide where to place your investments for maximum tax efficiency. Some examples are;

  • Investment Income
  • Borrowing to Invest
  • Income Splitting
  • Funding a Child’s Education
  • Registered Investments
  • Tax Shelters
  • Alternative Minimum Tax (AMT)
  • Investing through a Holding Company

Tax Minimization

Minimizing your family’s tax obligations is a key part of the overall wealth planning process we are able to provide. We can introduce several tax minimization strategies to benefit your family, including;

Family Income Splitting

Income splitting works by transferring the tax liability from a higher-income to a lower-income family member who is taxed at a lower rate. There are several ways to do this including contributing to spousal RRSP’s, creating formal spousal loan arrangements, or establishing family trusts.

Investing through Tax-Exempt Insurance

In addition to providing your family with financial security, life insurance policies can also help reduce your investment taxes. You can deposit additional amounts into a life insurance policy for investment purposes and the investment income accumulates on a tax-free basis similar to an RRSP.

Tax-Efficient Asset Allocation

We can help you maximize tax-effective investments and investment plans including your RRSP, RRIF, and TFSA.

We will work with you and your tax accountants to design with the best strategy for your personal situation.

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