Your Lifetime Tax Bill · Vancouver CPA for business owners

Tax shouldn't just happen to you.

Your Lifetime Tax Bill connects what you earn, keep, draw and pass on. We plan across building your business, a future exit and retirement, so tax serves the life you and your family are building.

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What your decisions can change Conceptual

Different choices. Different possible paths.

Possible path A Possible path B

Illustrative paths only. This is not a forecast or an estimate of your tax savings.

The bigger picture

Build the wealth first. Let tax strategy serve it, not steer it.

The goal is the life your capital makes possible. A smaller tax bill this year can be a poor trade if it limits your options later. Plan the tax alongside investment risk, cash needs, retirement and the people you want to provide for.

Build capital with a purpose

Decide what needs to stay in the business, what should reach you personally, and how each account fits the wider plan.

The freedom to choose your terms

Plan toward the freedom to step back, change direction or keep doing work you enjoy. What matters is the capital available for those choices.

Give well, and leave what you intend

Include your family and the causes you care about. What you give, when you give it, and what you leave behind belong in the same conversation.

The Lifetime Tax Bill · your whole life as an owner

One lifetime connects all of these decisions.

Your Lifetime Tax Bill is the connected picture of tax as you build wealth, leave the business, draw income and pass assets on. A choice that looks useful today can change the options available years later.

Plan the stages together, with room for life to change.

PHASE 01 · ACCUMULATION

Build the pile

Connect owner pay, retained company funds and personal investing. Weigh the tax with the cash you need and the risk you can take.

PHASE 02 · YOUR EXIT

Exit on purpose

Prepare before the buyer arrives. Check the sale structure, share ownership and asset history, and the eligibility of each person who may claim a deduction.

PHASE 03 · RETIREMENT

Draw it down with intention

Compare withdrawals, pension start dates and the income you need. Bring family support and giving into the plan rather than leaving them until the end.

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The questions that keep you up at night

You already know the decisions that matter. They're the ones you keep circling.

The salary you pay yourself. The money left in the company. The terms of an eventual exit. How it becomes retirement income. Each decision belongs to a different stage, but they all shape your Lifetime Tax Bill.

01 · ACCUMULATION

You're finally making real money. Now what?

I've got money in my corporation. What is actually available to use? What should I hold in the company, my TFSA and my RRSP? Salary or dividends, and what does each mean for my saving plan? What would drawing company money for a personal goal cost?

02 · THE EXIT

One day you'll sell it or pass it on.

Could my shares qualify for the Lifetime Capital Gains Exemption? Which records and company assets should I review before a sale? Could a family member qualify for their own deduction? What changes if I sell to a buyer or pass the business to family?

03 · RETIREMENT

Eventually it has to fund your life, on your terms.

How will company withdrawals affect my retirement income and OAS? How should the corporation, RRSP, TFSA and other accounts work together? When should I start CPP and OAS, and should the dates differ? How do I include family support and giving in the retirement plan?

If one of these has been sitting at the back of your mind, start there. The Tax Check can help you identify what to look at first.

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The good problem

When you've built enough, a good problem comes next.

The goal is not simply to leave money in accounts. It's to turn what you've built into retirement income, options for your family and the freedom to give. The questions change as the business gives way to the life it helped fund.

Your Lifetime Tax Bill follows that journey. The focus stays on what you can spend, share and pass on, after tax and other commitments.

Accumulate with intention

Give saving, investing and a possible exit a common direction.

Know what enough looks like

Work out what your retirement, family plans and commitments need from the wealth you have built.

Spend and give on purpose

Compare the income available to you and the timing of gifts while you can see their impact.

The foundation

Current books support the bigger plan.

Good planning needs a reliable starting point. Our accounting work keeps the books, tax records and owner information current so the wider plan can be reviewed while decisions are still open.

See accounting services and scope →

Let's talk about the life you're building.

Start with the decisions in front of you, and the life they need to support. Take the Tax Check, then explore how the stages connect.

Take the Tax Check Explore the Lifetime Tax Bill