Personal Services
Tax & Estate Planning
Proactive planning that minimizes your lifetime tax burden and ensures your estate is distributed exactly according to your wishes.
Plan today. Protect tomorrow.
Tax and estate planning is not just for the wealthy — it is for anyone who wants to keep more of what they earn, reduce the tax their estate will owe, and make sure their assets go to the right people. We work with you to build a coordinated plan that addresses your taxes, your will, and your family's future in one integrated strategy.
What's included
Personal Tax Minimization Strategies
We identify every legal opportunity to reduce your annual tax bill — income splitting, deduction timing, capital gains management, and tax-loss harvesting — and build a multi-year plan around them.
Will & Estate Structure Advice
We work alongside your estate lawyer to ensure your will and estate structure are aligned with your tax plan — avoiding unnecessary probate fees, capital gains on death, and unintended tax consequences.
Spousal & Family Income Splitting
Shifting income to lower-earning family members through spousal RRSPs, prescribed rate loans, and family trusts can significantly reduce your household's overall tax burden.
Charitable Giving Strategies
Donating appreciated securities instead of cash, setting up a donor-advised fund, or making charitable bequests in your will can generate substantial tax credits while supporting causes you care about.
Principal Residence & Real Estate Planning
We advise on the principal residence exemption, the tax implications of owning multiple properties, and strategies for transferring real estate to family members with minimal tax.
Real-world examples
Spousal RRSP
A couple where one spouse earned $180,000 and the other earned $45,000 used a spousal RRSP strategy to equalize their retirement income. The result: an estimated $12,000 per year in tax savings once both spouses began withdrawing in retirement.
Donating securities
A client with $50,000 in appreciated stocks donated the shares directly to their charity of choice instead of selling them first. This eliminated the capital gains tax on the appreciation and generated a donation receipt for the full fair market value — saving over $7,500 compared to a cash donation.
Principal residence exemption
A family that owned a cottage and a primary home needed to decide which property to designate as their principal residence for tax purposes. We modelled both scenarios and identified the designation that saved them $34,000 in capital gains tax.
Estate freeze
A business owner in their 60s used an estate freeze to lock in the current value of their company for tax purposes and transfer future growth to their adult children — deferring an estimated $220,000 in capital gains tax.
Frequently asked questions
Start planning for a tax-efficient future
Book a free consultation and we will identify the strategies that will make the biggest difference for your situation.
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