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Tax Planning & Advisory

Stop overpaying.
Start planning.

Incorporation strategy, owner-manager compensation, RDTOH, CDA, and estate planning for Canadian business owners who want to keep more of what they earn.

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Should You Incorporate?

The incorporation question has a real answer.

Incorporation isn't right for everyone — and it's not always worth it at $100K. We model your specific numbers before you make the decision.

The general breakeven is around $50,000–$80,000 in net business income that you don't need to live on. Below that, the compliance costs often outweigh the tax deferral. Above that, the math usually works — but it depends on your province, your income sources, and your long-term plan.

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What We Model
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    Personal vs. Corporate Tax ComparisonSide-by-side of your effective rate incorporated vs. not — using your actual income numbers.
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    Optimal Salary / Dividend MixThe split that minimizes combined personal + corporate tax for your situation.
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    CPP Exposure AnalysisSalary triggers CPP contributions — both sides. We factor this in when modeling your comp structure.
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    RRSP Room PreservationDividends don't create RRSP room. If that matters for your retirement plan, it changes the salary/dividend answer.
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    Break-Even TimelineHow long before the tax savings offset the annual compliance cost of operating a corporation.
Corporate Tax Integration

The strategies that actually
move the needle.

For incorporated business owners, these planning tools can make a meaningful difference in your lifetime tax bill.

RDTOH Planning

Refundable Dividend Tax on Hand accumulates when your corporation earns investment or passive income. It's refunded when you pay taxable dividends. We track eligible and non-eligible RDTOH separately and advise on optimal dividend timing to recover the refund.

Passive income · Dividend timing
Capital Dividend Account

The non-taxable portion of capital gains flows into your CDA and can be paid to shareholders completely tax-free. Life insurance proceeds also credit the CDA. We track your balance and advise when it makes sense to elect and distribute — it's a powerful and underused tool.

Capital gains · Life insurance · Tax-free
Lifetime Capital Gains Exemption

If you plan to sell your business, the LCGE shelters over $1M of capital gains on qualifying small business corporation shares. We assess QSBC eligibility, advise on share structure early, and ensure the asset and ownership tests are met well before the sale.

Business sale · QSBC · Share structure
Estate & Succession

Planning for the long game.

Tax doesn't stop at death — it accelerates. A deemed disposition at death can trigger significant gains without planning. We work with you on the fundamentals.

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Estate FreezeLock in the current value of your shares and shift future growth to the next generation — reducing the deemed disposition tax at death.
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Spousal Rollover PlanningAssets transferred to a spouse at death or during lifetime can roll over at cost — deferring the gain. We make sure the rollover is documented correctly.
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Life Insurance IntegrationCorporate-owned life insurance proceeds credit the CDA and flow tax-free to shareholders. We model the after-tax cost of coverage and its planning benefits.
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Succession ReadinessSelling to a family member, a key employee, or a third party each has different tax implications. We assess your situation and flag what needs to be structured before the sale.
The best time to plan was last year. The second best time is now.

Most tax planning opportunities close at year-end or at the time of a transaction. Waiting until after the fact means working with what's left. A one-hour strategy call now can open options that won't be available later.

Book a Strategy Call

Strategy calls are 45–60 minutes. We review your current structure, identify your biggest exposures, and outline what planning would look like. No obligation.

Let's find what you're leaving on the table.

Strategy call is free. No obligation. Bring your last T2 and we'll find something.

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