Tax investment planning is most effective when it happens throughout the year, not just at tax time.

For personal clients, the most important planning window is often before calendar year-end, when there may still be time to make strategic decisions around contributions, withdrawals, capital gains, capital losses, and how investment income is realized.

For corporate accounts, planning is especially important before fiscal year-end, when investment activity, corporate surplus, and the coordination between personal and corporate tax positions can still be reviewed proactively.

In most cases, the earlier planning begins, the more opportunities there may be to improve the after-tax outcome.

Reaching out for the first time can feel like a big step, especially when tax and investment decisions are connected. It does not have to be complicated. An initial conversation is simply a chance to review how investments are currently structured and whether there may be opportunities to improve tax efficiency.

There is no cost and no obligation. We’ll talk through the current picture, what is trying to be accomplished, and whether a more detailed review makes sense.

This may include:

• How investments are currently structured
• The mix of registered, non-registered, and corporate accounts
• How investment income is being generated and taxed
• Upcoming year-end or fiscal year-end planning considerations
• Questions about the process
• What working together might look like

A conversation may be worth having if:

• Investment assets are held across multiple account types
• There is a desire to be more deliberate about where different investments are held
• Taxable interest, dividends, or capital gains are being generated outside registered accounts
• Upcoming year-end or fiscal year-end planning considerations
• A corporation or holding company has invested surplus
• Investment strategy and tax planning need to work more closely together