Insights Publishing soon

Plain-English thinking on the tax you'll pay over a lifetime.

Short, useful essays on the decisions that move your Lifetime Tax Bill, no jargon, no filler. The first pieces are on the way.

The whole map, in one read.

The framework·5 min read

Your Lifetime Tax Bill, explained in five minutes.

Why planning tax one year at a time quietly costs owners the most, and what changes when you plan across accumulation, the exit, and decumulation together.

Coming soon →

On the way

Accumulation · 4 min

Salary, dividends, or both: what actually lands in your pocket

The take-home differences are smaller than most owners think, and the total-tax differences are bigger.

The exit · 6 min

The Lifetime Capital Gains Exemption is easy to lose without noticing

A cash-rich company can quietly fail the active-asset test years before a sale. Here's how to see it coming.

Decumulation · 5 min

Delaying CPP to 70 is a 42% raise. Here's the catch.

One of the few guaranteed, inflation-protected returns anywhere, but only if the rest of your drawdown plan supports it.

Accumulation · 4 min

Corporate surplus isn't free money

Cash sitting in the company is doing a job, or leaking tax. Usually it's leaking. A short guide to knowing which.

Structure · 5 min

Do you actually need a holding company?

Sometimes it earns its keep several times over. Sometimes it's just another return to file. How to tell them apart.

Decumulation · 6 min

Why drawing your RRSP last can cost you

The RRIF minimum at 71 has a way of arriving all at once. Planning the order early keeps you out of the clawback.

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