The Library
Tax, insurance structure and wealth transfer — sources cited, downsides included.
The Library · For Business Owners
How investment income quietly grinds the small business rate — the rule, the cost, and the four ways out.
Read → GuideFunding with 12.2% dollars instead of 53.53% dollars — rules, the four standard jobs, and the four traps.
Read → GuideThe corporation funds the protection; stay healthy to 75 and every premium — including the company's 69% — refunds tax-free.
Read → GuideThe exit door the Income Tax Act left open — how insurance fills the CDA, and the timing nuance illustrations skip.
Read → GuideBorrowing back your premiums — risks first, mechanics second, and who shouldn't touch it at all.
Read → Guide$1.25M+ of tax-free capital gains per shareholder — if your shares still qualify when you sell. Check years early.
Read → GuideEstate freezes, the intergenerational transfer rules, TOSI-era splitting — and funding the handover.
Read →How we solve them — For Business Owners →
The Library · Families & Retirement
What it actually returns, how design changes it — and the five people who shouldn't buy it at all.
Read → GuideBetween $95K and $152K of retirement income, every extra dollar loses 58%+. The fix is the shape of income, not the size.
Read → GuideThree real features — probate bypass, creditor protection, guarantees — one real cost, and who each is for.
Read → GuidePassing a policy to the next generation tax-free, cash value included — the transfer the Act wrote on purpose.
Read →The plan around them — Families & Retirement →
How we write
Every piece follows one discipline: data carries a year and a source, downsides get said out loud, and strategies name the people they're wrong for. If a plan can't survive scrutiny, it isn't written.
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// the only variable in this plan that gets more expensive every year is your age