For incorporated Ontario owners
You built the corporation. Keep the biggest bite out of the tax system's hands.
For dentists, physicians, incorporated trades, real estate holding companies and professional firms with surplus sitting in the corporation. Three short checks, about 2 minutes each, no-cost.
Check 1
The tax bill on your shares at death
At death, shares of a private corporation are generally treated as sold at fair market value. See the estimated tax, the cash your estate may have to pay it, and the gap.
Check my estate gapCheck 2
What passive income tax costs your surplus
Surplus invested in the corporation is taxed each year at about 50%, and over $50,000 of investment income it may start shrinking your small business deduction. Compare it with tax-deferred growth.
Check my surplusCheck 3
Buy-sell and key-person funding
If a partner died, could the others buy out the family's share? What would it cost to replace a key person? See each share's value and the coverage that may be needed.
Check my buy-sellWhy this matters
Many owners leave profits in the corporation for years. It is a sensible way to defer personal tax. But the money still has to come out one day, through you, your estate or your family, and each route is taxed differently. Planning ahead may change how much of what you built reaches the people you built it for.
Your accountant keeps the corporation running well. I work alongside your accountant as a second set of eyes, comparing options across several companies, so you can make the decision with a full picture.
Illustrative only, not a guarantee. General education, not tax or legal advice. Talk with your accountant before acting.
See what your corporation's surplus could do
Book a short, no-cost review. I work alongside your accountant as a second set of eyes and compare options across several companies, depending on your situation.
See what your corporation's surplus could do