Keeping more of what you earn is just as important as how fast it grows. Tax-efficient planning aligns your investments, insurance, and cash-flow so you minimize leakage to taxes—today and in retirement—without taking on unnecessary risk. We help Canadian families, professionals, and business owners build a plan that’s smart, simple, and built to last.
What We Mean by “Tax-Efficient”
It’s the coordinated use of accounts, products, and timing so each dollar is placed where it’s taxed the least—asset location, tax-smart withdrawals, and protective insurance that can lower lifetime tax. The result: smoother growth, steadier income, and more flexibility when life changes.
Who It’s For
- Families and professionals who want to grow wealth without bracket creep.
- Business owners balancing salary/dividends, corporate investing, and succession.
- Pre-retirees/retirees seeking reliable income while managing CPP/OAS clawbacks.
- High-savers looking for efficient next steps after maxing core accounts.
Core Strategies We Use
- Right money in the right account: TFSA for tax-free growth and flexible goals; RRSP for pre-tax compounding and deductions; FHSA/RESP where appropriate; non-registered positioned for capital gains and eligible dividends.
- Asset location & product mix: Place interest-heavy assets in RRSP/TFSA and keep tax-efficient equity in non-registered. Use corporate class or T-series solutions where suitable to manage distributions.
- Income-splitting & family planning: Spousal loans at prescribed rates, pension-splitting in retirement, and strategic use of family trusts (with your tax professional).
- Withdrawal order in retirement: Coordinate RRSP/RRIF, TFSA, and non-registered draws to smooth brackets and reduce OAS clawback—with guardrails for sequence-of-returns risk.
- Business-owner planning: Balance salary vs. dividends, use corporate investment accounts wisely, and explore IPP/RCA or surplus extraction strategies with your accountant.
- Insurance as a tax tool:
- Permanent life insurance for tax-advantaged cash value growth and estate liquidity.
- Insured retirement strategy to access policy values tax-efficiently while preserving the death benefit.
- Corporately owned life insurance to enable tax-preferred capital dividend account (CDA) payouts to heirs.
- Charitable giving: Strategic gifts, DAFs, or gifting appreciated securities to reduce current and future tax.
- Year-round housekeeping: Loss harvesting, gain deferral, and smart rebalancing that respects ACB and superficial-loss rules.
How We Work
- 1.Map today vs. retirement: Cash-flows, brackets, and benefits.
- 2.Design scenarios: Side-by-side tax projections and “what-ifs.”
- 3.Implement simply: Automate contributions, rebalancing, and reviews.
- 4.Coordinate with your accountant/lawyer: For clean execution and compliance.
Note: This is general information for Canadians and not tax advice. We’ll work alongside your tax professional to tailor the details.
Ready to keep more of your money—now and later?
Book a quick call for a tax-efficiency review and a plain-language action list you can start this month.