Keep more of what you earn with proactive, year-round strategies that simplify taxes, cut costs, and fuel your family, business, and life goals.
Taxes touch almost every money choice. We make them simpler with a clear plan that saves you money now and over time. We review your income, deductions, credits, benefits, and how your accounts and business are set up. Then we give you step‑by‑step actions and a calendar for the year. We help with RRSP and TFSA moves, family income splitting, business owner pay decisions, rental and investment income, and the best time to claim or sell.
We work with your accountant and lawyer so everything fits together. You get short, plain‑English summaries, easy checklists, and regular check‑ins to keep you on track. The result: lower tax bills, fewer surprises at filing time, and more cash for your family and goals.
We list every deduction, credit, and benefit you can claim, and tell you exactly how to qualify and document them.
Good timing avoids surprise tax bills, prevents costly mistakes, and turns complex equity into usable, after‑tax dollars for your priorities.
We plan contributions and withdrawals across RRSP, TFSA, and RESP accounts, timed to your income, cash needs, and benefits.
Right‑sized moves cut tax today, avoid penalties, and build flexible, tax‑free or tax‑deferred income for future goals and retirement.
We design your pay mix, dividends versus salary, deductions, and company structure so business and personal taxes work together.
Smart coordination preserves small business incentives, lowers total tax, improves cash flow, and funds reinvestment, retirement, and family goals.
We plan when to sell, harvest losses, and realize gains, coordinating with your income level and any charitable giving.
Smart timing smooths taxes across years, protects benefits and credits, and keeps more of your money invested and compounding.
We move income to lower‑tax family members using allowed methods like pensions, loans, dividends, and deductions—within the rules.
Sharing income across brackets reduces the family’s total tax bill, boosts cash flow, and helps you reach shared goals sooner.
We place the right investments in the right accounts and set rules for rebalancing and distributions to reduce yearly tax.
Lower tax drag means more of your returns stay invested, helping your money grow faster without taking extra market risk.
We plan grants, vesting, exercises, and sales for RSUs, options, and ESPPs, with clear steps to manage cash and taxes.
Good timing avoids surprise tax bills, prevents costly mistakes, and turns complex equity into usable, after‑tax dollars for your priorities.
We build a simple checklist and timeline, gather slips and receipts, coordinate with your accountant, and review your return together.
Being organized cuts stress, avoids penalties and interest, and makes sure no deduction or credit gets missed when it matters.
Send us a message. Our qualified experts are happy to help.
There's no smoke and mirrors. We use our straightforward approach to assess your finances and determine where you stand financially. Ensuring you get a personalized plan that grows your wealth and helps you reach your goals.
Review your full financial picture and set clear, measurable goals.
Build a simple, prioritized plan with timelines and responsibilities.
Execute the plan—accounts, investments, and tax moves—coordinated end to end.
Track progress, rebalance, and refine as life and markets change.
Schedule a time today. We listen, answer questions, and outline a clear plan forward.
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