Plain-English tools for the decisions that quietly shape the life your money funds. Free, no sign-up, built to show you the shape of a decision so you can make it on purpose. Then we go deeper together.
Four questions to find which phase you're in, the decisions most likely being left on autopilot in your situation, and what to plan first.
Take the 2-minute check →Nine tools live, with more on the way. Each answers a single question well, and every one ladders back to the same lifetime view.
Enter what you can invest and watch the gap between a tax-smart and a typical approach compound, at 65, 70, 75, 80 and 85.
Open tool →See how paying yourself salary, dividends, or a mix changes your take-home and total tax.
Open tool →Cash piling up in the company? A guided read on whether it should stay, come out, or be invested, and whether it's working on purpose.
Open tool →Are your investments in the right accounts, corporate vs. RRSP, TFSA, non-registered, for the least tax drag on the way up?
Open tool →Where your next dollar should go when you own a corporation, personal, corporate, or registered, and in what order.
A guided read on whether incorporating is likely to help, or just add cost and admin, at your income.
Open tool →When a holdco earns its keep, deferral, creditor protection, multiple owners, and when it's overkill.
Open tool →The honest side-by-side: a real tax plan plus term coverage versus permanent insurance, and when each actually makes sense.
Open tool →A plain-English read on whether your shares are on track to qualify for the Lifetime Capital Gains Exemption.
Open tool →Test when to start CPP & OAS and the order you draw accounts, so you keep more and stay out of the OAS clawback.
Open tool →That's what a call is for. We'll plan your real numbers across the whole life of the business, not just one decision, and not just this year.
Work with usThese tools are general education, not tax advice, and don't create a client relationship. They use simplified, approximate assumptions and won't reflect your full situation or changes in legislation. Speak with Senova CPA Inc. before acting on any result.