Advanced tax reduction strategies that are legal, proven, and specifically designed for Canadian professionals earning $150,000 or more annually.
A professional earning $200,000 in Alberta pays approximately $72,000 in combined federal and provincial income tax. With proper structuring, this can often be reduced by $15,000–$25,000 annually — legally.
RRSP contributions are the most powerful tax deduction available to most Canadians — but few use them optimally. We model the precise contribution amount, timing, and investment strategy that maximizes your lifetime tax savings, not just your current-year deduction.
For self-employed professionals and business owners, the decision between personal and corporate income has profound tax implications. We analyze your specific situation to determine the optimal income-splitting and retention strategy — including professional corporation setup, salary vs. dividend optimization, and holding company structures.
Investment loan interest is tax-deductible in Canada when the borrowed funds are used to earn investment income. We design leveraged investing strategies that create a significant annual tax deduction while building long-term wealth — a strategy used by Canada's most sophisticated investors.
Not all investment income is taxed equally in Canada. Capital gains are taxed at 50% of your marginal rate; eligible dividends receive a dividend tax credit. We design your investment portfolio to maximize the proportion of income taxed at the lowest effective rate.
"Every dollar you save in taxes is a dollar that compounds in your portfolio. Over 20 years, a $20,000 annual tax reduction — invested at 8% — creates over $900,000 in additional wealth. Tax planning is not a cost. It is an investment."
— Wallace Wang, CFP®