Tax Planning & Optimization
You're probably paying more tax than you need to
Tax isn’t just something your accountant handles once a year. For high-income earners and business owners, proactive tax planning can save tens of thousands over a lifetime.
The Problem
Most people think tax planning means filing their return accurately. It doesn’t. Tax planning means making strategic decisions throughout the year — and throughout your life — that legally minimize the amount you pay to CRA.
Are you contributing to the right accounts? Are you withdrawing in the right order? If you own a corporation, are you structuring dividends vs. salary correctly? These decisions can save — or cost — you tens of thousands of dollars.
What We Do
- Income splitting strategies to reduce your household tax burden
- RRSP vs. TFSA optimization based on your current and projected tax brackets
- Corporate tax planning for business owners with retained earnings
- Withdrawal sequencing in retirement to minimize lifetime taxes paid
- Capital gains planning and deferral strategies
- Charitable giving strategies that align tax benefits with your values
The Reframe
Tax optimization isn’t about finding loopholes. It’s about using the tools the Canadian tax system already provides — RRSPs, TFSAs, corporate structures, income splitting, capital gains exemptions — in the right combination, at the right time. When your tax strategy is coordinated with your financial plan, every dollar works harder.
Free · No obligation · 100% confidential