Personal and Corporate Income Tax Planning 

There are many pieces in the personal financial planning puzzle and when we can keep the income tax component as low as possible, through incorporating tax planning strategies, clients are able to keep more of their own money. It could be considering a Tax Free Savings Account versus a RRSP, or perhaps designing your retirement income model and pension options to ensure OAS is not clawed back in retirement. Sometimes planning has to do with developing the salary dividend components for self-employed individuals. Or perhaps you are in receipt of a retirement allowance or severance payment and wonder how to consider the planning options and how it may affect future employment or retirement income.   

We can help you understand your current investment model in the context of your risk tolerance, liquidity needs and taxation of investment income in various accounts. We provide an investment review to ensure you are on track and your investment model is consistent with your goals and objectives.