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.

Plan it


Learn more
 
 

Invest it


Learn more
 
 

Protect it


Learn more
 
 

Pass it on


Learn more
 
 

Report it


Learn more
 
 

Spend it


Learn more