How Much Do I Need to Retire? A Business Owner’s Framework for Determining Financial Freedom
How much do you need to retire? Calculate your number from your spending — plus the withdrawal order and OAS traps business owners miss.
The $4 Million GIC That Lost Money: How Passive Income Quietly Grinds Your Small Business Deduction
A corporation with $4M in GICs ended up net negative after tax. Here’s how passive income silently erodes your small business deduction — and what to do.
Family Trust and the Lifetime Capital Gains Exemption in Canada: When It’s Not Worth It
Family trusts can multiply Canada’s lifetime capital gains exemption on a business sale — but not every owner needs one. Here’s how to tell.
Your Corporation Is a Fancy RRSP — And Most Owners Are Wasting It
Your corporation defers tax on retained earnings — it doesn’t erase it. Here’s how Canadian business owners waste the advantage and how to fix it.
Ontario Cut the Small Business Tax Rate. Before You Celebrate, Review The Real Implications
Ontario’s small business deduction rate drops to 2.2% on July 1, 2026 — but a paired personal dividend change can erase the savings. Here’s the real math.
The RRSP Tax Bomb: How High Earners Get Blindsided at Retirement
If you earned high income your entire career and never had a low-income year to draw down your RRSP, retirement may deliver a RRSP tax bill you didn’t see coming.
Your Corporate Passive Income Is Being Taxed at 50% — And It May Be Costing You Even More Than That
Corporate passive income is taxed at ~50% in Canada — and above $50K/year, it starts eroding your small business deduction (SBD). Here’s what to do about it.
Corporate-Owned Life Insurance in Canada: The Tax-Free Wealth Strategy for Business Owners
Canadian business owners can fund life insurance inside their corporation using after-tax corporate dollars — and receive the death benefit tax-free. Here’s how it works.
Why the 4% Rule Might Fail You: The CAPE Ratio, the “MOAB,” and Retirement Planning in Canada
The 4% rule is a useful starting point — but at a CAPE ratio near 40, it may be dangerously incomplete. Here’s what Canadian business owners need to know before retiring.
30 Years of Hard Work Shouldn’t Just Go to CRA”: How this Canadian Business Owner Found a Better Path for His Corporate Cash
How an Ontario electrical contractor used corporate whole life insurance to turn $300K in retained earnings into a flexible, leverageable wealth reservoir.
