How We Work
Tax-efficient financial planning in the right order: the tax math comes first, the structure second, and the product — if any — last.
Find the leaks: where tax is quietly draining you — corporate and personal, this year and at exit.
Tax Lab calculators · your own numbers
Decide where money should live and how it moves — you, your company, your family, your estate.
Ownership & flow design · partner tax lawyer & CPA
Build the container: products enter only now — chosen by the problem, never the other way around.
Policies · accounts · comp redesign · freezes & trusts*
To your family — tax-free where the law allows, outside probate, as you intend.
CDA exit · beneficiaries · probate bypass · annual review
* freezes, trusts and reorganizations are designed with partner tax counsel — each professional holding their own pen
Every file starts with a free, 30-minute conversation about numbers: your income structure, your corporation's retained earnings and passive income, future capital gains, and the tax bill your estate would face if the worst happened this year. No products come up in this meeting — there's nothing to fit a product to yet.
You'll leave knowing three things: where you're leaking, roughly how much per year, and whether the fix is worth pursuing. If you'd rather test the water first, the Tax Lab lets you run the same first pass yourself — no email, no phone number.
Structure means deciding where money should live and how it should move: between you and your corporation, between accounts that are taxed annually and containers that aren't, and eventually between you and the next generation. This is the step most portfolios skip entirely — a good structure often matters more than the products inside it.
On complex files — trusts, estate freezes, corporate reorganizations — our partner tax lawyer and CPA join the table, each holding their own pen. You get one integrated plan, not three disconnected opinions.
Only now do tools enter: a compensation redesign, a trust or estate freeze, a corporate-owned insurance structure, segregated funds, a high-interest corporate account — or, sometimes, nothing at all. I'm licensed across 8+ Canadian insurers and compare them on contract wording, not commission.
The shelf, when the diagnosis calls for it:
Fair warning
Not every tax problem needs a product. When the fix is a payroll change your accountant can file on Monday, I'll say so — and send you back to them. Plans that survive scrutiny are the only kind worth writing.
The first 30 minutes are free — it's a mutual-fit conversation, not a sales call. Straightforward implementations are compensated the way insurance is everywhere in Canada: by the insurer, not by you. Complex planning files are quoted a planning fee up front, in writing, before any work starts. Either way, you'll know the cost before we begin — and you're welcome to bring your accountant to any meeting.
Tax policy moved three times in two years on capital gains alone. Every plan we write gets a standing annual review: rates re-checked, limits updated, life changes folded in. Good plans don't bet on a rate staying put — they're built to survive a change of government.
Book a Tax Diagnostic
The first conversation is free — your situation, our method, and whether we fit. Complex files quote a planning fee up front: you'll know before we start.
// the only variable in this plan that gets more expensive every year is your age