As a professional or executive, you are likely one of Canada's highest income earners and pay a significant portion of your income to tax.   High-income earners must carefully consider ways to navigate taxation to minimize and structure their investment holdings more effectively. 

While similar in needing strategies to minimize tax, professionals and executives each require different tools and expertise to navigate their income tax.  Tax strategies for high-income earners can include using registered accounts like a TFSA, RRSP, and RESP, transferring income to your spouse, and making tax-efficient investments such as flow-through shares, incorporating and Canadian Dividend Tax Credit. Family Trusts often become a conversation around wealth transfer, and protecting assets. 

Executives

Executives often receive deferred and stock-based compensation that requires the expertise of a professional to navigate complex cash flow and wealth accumulation. 

C-suite executives are inescapably and deeply exposed to the fortunes of their employer. Not only do their salaries and bonuses stem from a single source, but as mentioned earlier, executives also often receive a great deal of stock and stock options. C-suite professionals, directors, and decision makers can take advantage of tailored solutions that help maximize compensation, protect wealth, and take advantage of fast-moving career opportunities.  Concentrated holdings require advice on the timing of reducing your positions, and strategies to diversify, trading techniques to exit or reduce your holdings.   We specialize in simplifying and making clear plans around executive compensation and deliver on execution.

Professionals

Professionals, require expertise in determining how to how to structure income whether it be salary or dividends, and require advice on income splitting with family members.  Tailoring your investment strategy to the management of your professional corporation can enhance your retirement outcome. Your investments should be designed in a way that maximizes your after tax dollar, as your corporate investment income has unique attributes, that an expert can advise you on how to structure and coordinate with other retirement savings and income strategies.