Tax and Estate Planning

I support small businesses and incorporated professionals with estate and tax-planning. I design solutions that can help small business owners and incorporated professionals with the following:

Make tax free withdrawals from your business

Fund business buy-sell equalization agreements

Increase the value of the estate left to heirs

I also help individuals and families lower their tax bill by leveraging registered accounts like RRSP, FHSA, RESP, TFSA and if applicable, RDSPs. Based on your eligibility and affordability, I can help you prioritize the right account type and maximize your tax savings.

Confused whether to invest in your RRSP or TFSA, contact me today for exploratory chat.

Tax & Estate Planning for Small Businesses & Professionals

I specialize in helping small business owners and incorporated professionals optimize their financial legacies while minimizing tax burdens. My tailored strategies focus on:

Tax-Free Withdrawals

Structuring life insurance solutions to be held within the corporation to maximize after-tax cash flow from your business.

Buy-Sell Agreement Funding

Ensuring seamless business succession through properly funded equalization agreements

Estate Value Enhancement

Protecting and growing the wealth passed to heirs by leveraging insurance and tax-efficient asset transfers.

Personal Tax Optimization

For individuals and families, I design strategies to reduce your annual tax liability and grow wealth faster by maximizing the use of:

Registered Accounts

Prioritizing contributions to RRSPs, TFSAs, FHSAs, RESPs, and RDSPs based on your goals and eligibility.

Tax-Efficient Investing

Aligning investments with your marginal tax rate to minimize capital gains, dividends, or interest taxation.

Retirement Planning

Structuring withdrawals from RRSPs/RRIFs to avoid OAS clawbacks and optimize GIS eligibility in retirement.

Confused about where to start?

RRSP vs. TFSA

Unsure which account best suits your short-term needs or long-term goals? I’ll analyze your income, tax bracket, and future plans to recommend the optimal strategy.

FHSA Maximization

Leverage this powerful tool for first-time homebuyers to save tax-free while building your down payment.