TaxPlanningServices
Proactive, year-round tax planning for small business owners, incorporated professionals, and individuals across the Greater Toronto Area.
The tax you pay is decided long before the return is filed.
Most people meet their accountant once a year, in April, when the numbers are already set and there is nothing left to change. Tax planning services flip that order. Through the year, we watch your income, your business activity, and the rules as they change — and we make small, legitimate moves at the right moments that compound into real savings.
For a small business owner in Ontario, that often means thousands of dollars a year: a salary-and-dividend mix that suits your actual income, purchases timed against your corporate year-end, registered contributions sized to your marginal bracket, and a structure that keeps more of what you earn working for you.
Every recommendation is grounded in the Income Tax Act and the CRA's published guidance — and explained in plain language, so you always know what we're doing and why.
- Incorporated business owners and incorporated professionals
- Sole proprietors, freelancers, and contractors
- Rental property and real estate investors
- Families with multiple income streams
- Employees with equity, RSUs, or side income
Practical moves, timed to your year.
Salary vs. dividend strategy
For incorporated business owners, the mix of salary and dividends you take home each year changes your personal and corporate tax bill. We model the right combination for your income level.
RRSP, TFSA, and FHSA contributions
We map out how much to contribute to each registered account, and when, so every dollar saves tax in the year it matters most.
Year-end timing decisions
Deferring income, accelerating expenses, buying capital assets before year-end, and timing invoices can legitimately shift tax between years in your favour.
HST and payroll planning
Choosing the right HST filing period and accounting method, and planning source deductions, keeps cash flow working for you instead of the tax account.
Family and income splitting
Legitimate ways to involve a spouse or family member in the business — salary for real work, reasonable contracts — while staying clear of attribution rules.
Estate and succession basics
Planning today for the eventual transfer of your business or investment assets reduces the tax burden on your family later.
Let's turn your numbers into a plan.
Book a 20-minute call or start the 3-question diagnostic. No jargon, no obligation — just a clear next step.