Keep More of What You've Earned:

Strategic Tax Planning for Ontario Retirees

The average retiree overpays by $150,000-$300,000 in unnecessary lifetime taxes.
We make sure you're not one of them.

After decades of hard work and careful saving, you deserve to keep more of your retirement income. Yet most Ontario retirees unknowingly leave thousands on the table by missing key tax-planning opportunities.

The difference?

Often 20-40% more income in your pocket over your lifetime.

Your Biggest Tax Challenges: Solved

Worried about OAS clawbacks?

We position your income sources to keep you below the threshold while maximizing your total after-tax income.

Confused about RRSP withdrawals?

Timing is everything. We create withdrawal strategies that minimize your lifetime tax burden and avoid pushing you into higher brackets.

Concerned about your estate tax bill?

Your estate could face a 50%+ tax hit if not structured properly. We help you pass on your wealth efficiently and according to your wishes.

Our Tax-Efficient Approach

Multi-Year Tax Forecasting

We don't just look at this year. We model your tax situation for the next 10-20 years, anticipating income changes, government benefit eligibility, and evolving tax rates. This forward-thinking approach identifies opportunities others miss.

Strategic Withdrawal Planning

One of the most powerful levers you control is when and from where you withdraw money. We analyze all your accounts—RRSP, TFSA, non-registered, pensions—and create a withdrawal sequence that keeps more money working for you and less going to the CRA.

Tax-Efficient Investment Selection

It's not just what you earn, it's what you keep. We incorporate tax-efficient investments that are structured to minimize your annual tax bill, including strategies for capital gains, eligible dividends, and return of capital.

Estate Tax Optimization

Deciding ahead of time where you'd like your money to go isn't just about values—it's the foundation of smart tax planning. We help you structure your estate to minimize the tax burden on your heirs and maximize your legacy.

What Sets Us Apart

Unlike accountants who look backward at last year's taxes, we look forward.

We're proactive, not reactive.

Our strategies are designed around your life, your goals, and your timeline.

Real Results: Our clients typically save between $3,500 and $12,000+ annually through strategic tax planning—money that stays invested and compounds for your benefit.

⏰ Time-Sensitive Opportunities

Many tax-planning strategies must be implemented before year-end to qualify for the current tax year. OAS clawback positioning, income splitting opportunities, and strategic RRSP withdrawals all require advance planning.

The best time to start tax planning was ten years ago. The second-best time is now.

Ready to Keep More of Your Hard-Earned Money?

We'll analyze your current situation, identify missed opportunities, and show you exactly how much you could save with proper tax planning. No obligation—just clear answers and actionable strategies.

See if we are a fit