RIDGE 3: TAX EFFICIENCY

Tax Strategy Guides

Tax planning is one of the highest-impact areas of a financial plan, but the strategies that apply to a salaried family are different from those available to an incorporated professional. We have organized our tax content into two focused guides so you can go directly to the information that is relevant to your situation.

Personal & Family Tax Strategy

How Canadian tax brackets work, when to prioritize TFSA vs RRSP, income splitting strategies for families, and the optimal withdrawal order in retirement.

Marginal vs average tax rates explained

TFSA vs RRSP decision framework

Spousal RRSPs, prescribed-rate loans, CPP sharing

Tax-efficient withdrawal order in retirement

Read the Personal Guide

Corporate Tax Strategy

Small business deduction, holding company structures, passive income rules, salary vs dividends, TOSI, corporate-owned life insurance, and advanced strategies like IPP and RCA.

Small business deduction and tax deferral

OpCo/HoldCo structure and estate freezes

Passive income grind and RDTOH

Corporate life insurance and CDA credits

IPP, RCA, and IFA strategies

Read the Corporate Guide

Not sure which guide applies to you? Both may be relevant if you are incorporated and also managing personal accounts.

The information on this page and in the linked guides is provided for educational purposes only and does not constitute financial, tax, legal, or insurance advice. Tax rules change frequently and their application depends on your individual circumstances. Please consult a qualified tax professional or licensed financial advisor before implementing any strategy discussed here.