Sophisticated investment structuring that maximizes after-tax returns through intelligent account allocation, leverage strategies, and cash flow optimization.
Beyond basic contribution — we model the optimal allocation between your TFSA and RRSP based on your current tax bracket, projected retirement income, and long-term asset growth trajectory. Many clients discover they have been over-contributing to the wrong account for years.
Your non-registered investment account is the most tax-exposed vehicle you own. We design strategies to minimize annual tax drag through asset location, tax-loss harvesting, and dividend optimization — turning a tax liability into a tax asset.
Leveraged investing, when structured correctly, creates a powerful tax deduction while amplifying long-term returns. We design investment loan structures that are appropriate for your income level, risk tolerance, and tax situation — not a generic product pitch.
A comprehensive model of your income, expenses, savings, and investment growth over a 20–30 year horizon. This is the foundation of every financial plan we build — because you cannot optimize what you cannot measure.
"The highest-yield investment you can make is not in a stock or a fund. It is in the architecture of your financial structure. A well-designed tax strategy consistently outperforms speculative investing — with zero additional risk."
— Wallace Wang, CFP®