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 CIBC Private Wealth, Wood Gundy  CIBC Private Wealth, Wood Gundy

James Dixon

  • Home
  • About us
    • The Investment Team
    • Approach
    • Contact us
  • Investment Management
    • Investment Thesis
    • Investment Values
    • The Dixon difference
    • Investment Management Process
  • Portfolios
    • Low-Risk Portfolio
    • Income Portfolio
    • Balanced Portfolio
    • Growth Portfolio
  • Derivative Strategies
    • Dual Currency Deposits
    • Covered Call
    • Sell Put
    • Foreign Currency Forward
  • Wealth Planning
    • Planning Services
    • Tax Planning Strategies
  • Market insights
    • Macro Blog
 

Tax Planning Strategies

Tax Planning Strategies

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Strategies include:

  • Income splitting. Using a family trust allows for returns on investments held by the trust to be distributed to beneficiaries with lower tax rates.
  • Deducting mortgage interest. Using available cash to pay off a non-tax-deductible mortgage and then refinancing the property to purchase an income producing property or securities make interest payments tax deductible.
  • US asset holdings. Monitoring US asset holding to avoid being subject to US estate tax.
  • Using a corporation. There is upwards of a 3.36% tax deferral advantage to investing through a private corporation over holding them personally.
  • Life insurance on children. Acquiring life insurance on the children allows wealth to accumulate on a tax-deferred basis for ultimate capital transfer.
  • US real estate. Using a Trust to hold US real estate is effective as it avoids probate, provides liability protection, preserves the owner’s control, addresses possible incapacity, and protects the heirs from US estate taxation after the owner’s death.
  • Registered accounts. Maximizing allocations to registered accounts like TFSAs allow assets to grow tax free
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CIBC Private Wealth” consists of services provided by CIBC and certain of its subsidiaries through CIBC Private Banking; CIBC Private Investment Counsel, a division of CIBC Asset Management Inc. (“CAM”); CIBC Trust Corporation; and CIBC Wood Gundy, a division of CIBC World Markets Inc. (“WMI”). CIBC Private Banking provides solutions from CIBC Investor Services Inc. (“ISI”), CAM and credit products. CIBC Private Wealth services are available to qualified individuals. Insurance services are only available through CIBC Wood Gundy Financial Services Inc. In Quebec, insurance services are only available through CIBC Wood Gundy Financial Services (Quebec) Inc.


CIBC Private Wealth services are available to qualified individuals. The CIBC logo and “CIBC Private Wealth” are trademarks of CIBC, used under license.