A strategic tax planning approach helps maximize after-tax wealth by proactively aligning income, investments, and long-term goals with evolving tax considerations.
Tax Planning Solutions for High-Net-Worth Clients
Comprehensive tax planning helps high-net-worth clients navigate complexity while preserving and growing wealth across generations. By integrating tailored strategies with broader financial objectives, we can help uncover opportunities to enhance tax efficiency and support long-term financial success.
Incorporation as a Business Owner
Incorporating your business can give you more flexibility to grow and invest your earnings tax efficiently, helping you build wealth within the company, while keeping in mind the added responsibilities and costs that come with it.
Prescribed Rate Loans
A prescribed rate loan can help higher income families share investment income more tax efficiently by lending funds to a lower income family member to invest, while keeping within established tax rules.
Family Trust
Family trusts can be an effective estate and tax planning strategy for families with shared wealth, offering flexibility to distribute assets among beneficiaries while helping manage overall tax exposure and preserve wealth across generations.
Income Tax Planning
We align your investments, income, and spending in a tax-efficient manner to help minimize overall tax exposure and maximize the wealth you keep.
Charitable Giving
Charitable donations can provide valuable tax credits to help reduce the tax you owe while supporting the causes you care about, with options like direct giving, tax-efficient donation of investments, or flexible donor-advised funds for larger contributions.
Individual Pension Plans
High-income earners and business owners may benefit from an Individual Pension Plan as a tax-efficient way to build retirement savings. IPPs can offer higher contribution limits than RRSPs, especially as you approach retirement. This can help you grow and protect more of your wealth over time.
Important Tax Information for 2026
Tax Free Savings Account (TFSA)
- 2026 TFSA contributions can now be made. The annual TFSA contribution limit for 2026 is $7,000 and you can carry forward unused contribution room from previous years.
Registered Retirement Savings Plan (RRSP)
- Your RRSP contribution limit for the 2025 tax year can be found on your Canada Revenue Agency Notice of Assessment for 2024.
- The deadline for contributions to be in the 2025 tax year is 11:59 p.m. on March 2, 2026. The RRSP contribution limit for 2026, subject to any adjustments, is $33,810.
Registered Education Savings Plan (RESP)
- The lifetime maximum RESP contribution limit is $50,000 for each beneficiary.
