Proudly serving Ontario, British Columbia & Alberta.
Our mission is to empower our clients with tax-effective strategies that maximize and protect their wealth & health.
We cater to High-Net-Worth Families, Business Owners, Medical Professionals, and Athletes.
Our strategic advice will help you:
- Tax-efficiently withdraw assets out of your corporation, significantly reducing your personal & corporate taxes.
- Minimize the impact of capital gains taxes on your properties when transferring them to your children.
- Reduce the cost of your estate taxes, oftentimes saving families millions of dollars.
- Protect your assets through the implementation of Trusts, Holding Companies, and Estate Freezes.
- Insure yourself, your family, and your company against unexpected illness and death.
Estate & Trust Planning
Estate Taxes – the biggest tax bill you may ever have.
Estate taxes can often be the most substantial financial burden you’ll ever face. However, there are cost-effective solutions to solve this problem.
Our experts specialize in calculating and recommending the most efficient strategies for paying estate taxes, frequently leading to savings of 50% or more.
These savings can translate into millions of dollars preserved for you, your loved ones, and your business.
Where do these taxes from from?
- Retained earnings inside your corporation
- Capital gains on rental properties
- Capital gains on your family cottage
- Capital gains on corporately owned properties
- Capital gains on corporate investments
- Assets in holding companies
- Capital gains on non-registered stock portfolio
- Private equity investments
- Capital gains on Crypto portfolios
Implementing the use of a Trust, multiplying the Lifetime Capital Gains Exemption, an estate freeze, establishing a Donor Advised Fund, a spousal rollover, and a variety of other strategies are all helpful in minimizing this tax bill.
However, this tax burden cannot always be completely eliminated.
We will help you significantly reduce the cost of this tax bill.
Whole Life Insurance
There’s a reason the Rockeller Family, Elon Musk, Walt Disney, and many other highly successful individuals used Whole Life Insurance during their lifetime to help them achieve success.
Whole Life Insurance policies come with both living and death benefits.
These policies provide permanent life insurance that does not expire, does not increase in price, and can be paid off in a very short time frame so you are not stuck with a lifetime of payments.
Corporately-owned life insurance policies can also provide significant tax benefits to corporations, allowing for money to be transferred out of the corporation both tax-efficiently and tax-free.
The living benefits of a Whole Life Insurance policy are substantial.
Whole Life Insurance policies come with an investment account, called the cash value, which can be used during your lifetime.
This investment is guaranteed to increase in value year-over-year, grows without any annual tax bill, and can be used on a tax-free basis for business or personal needs.
Group Benefits & Group RRSP + DPSP
We have aligned ourselves with Canada’s top group benefit and group RRSP + DPSP providers to ensure you have the most up-to-date and valuable offerings in the marketplace. ASO and standard health plans are available.
If you become injured or sick and cannot work, Disability Insurance can provide you with tax-free monthly income to the age of 65.
Critical Illness Insurance
Protect yourself against dozens of major illnesses such as heart attack, cancer, stroke, and Alzheimer’s Disease. You will receive a tax-free lump sum cheque if you become ill with one of the sicknesses covered.
You can also receive 100% of your premiums back, tax-free, if you do not get sick or make a claim.
Our firm is a supporting Advisor to the Sick Kids Foundation.
We provide strategic advice to significantly increase your charitable donations, at no additional cost to you.
We can turn your taxes into charitable donations and help you create a bigger impact than you ever thought possible.
Insurance for your Children & Grandchildren
When you buy a Whole Life Insurance policy for your Child or Grandchild, you are giving them a pension that lasts a lifetime.
The savings account in a Whole Life Insurance policy is guaranteed to increase in value every year, guaranteed never to decrease in value, you do not pay tax on annual growth, and the funds are always accessible whenever you or your child needs them.
A Whole Life Insurance policy can help your child pay for College or University, purchase their first home, start their first business, and many other milestones in their life. It can even be used for their retirement.
Buying Whole Life Insurance for your child also guarantees they will have life insurance for their entire lives, regardless of any future health issues that may arise.
A Critical Illness Insurance Policy will protect your child against dozens of major illnesses, such as Cerebral Palsy, Cystic Fibrosis, Cancer, Muscular Dystrophy, and many more illnesses.
You may qualify for a 75% reimbursement of the premiums you paid for this Critical Illness Policy if no claims have been made by your child’s 25th birthday or the 15th policy anniversary, whichever is later.
Even with this 75% return of premium, your child’s complete coverage will remain in force.
Performance you’ll want to see
Our offerings ensure your capital grows tax-efficiently, remains easily accessible to you on a tax-preferred basis, and transfers to the next generation tax-free.
Maximize & Collaborate
We collaborate with your accountant, lawyer, and financial advisor to optimize and ensure integrity amongst all aspects of your personal, corporate, and estate planning.
Michael Dutra, TEP, CLU, CFP, Chief Executive Officer
Headline speaker at the 2023 Toronto Business Summit
“I believe in the transformative power of education, the diligence of hard work, and the unwavering integrity that shapes a life of lasting impact.
I hope my advice surpasses my lifetime and positively impacts my children and the next generation.”
– Michael Dutra
For a 15-minute introductory call with our firm, please fill out the form below.
Oakville, ON. 407 Iroquois Shore Rd, Unit 8. L6H 1M3
Vaughan, ON. 3700 Steeles Ave W Suite 1001. L4L 8M9
Vancouver, BC. 1185 W Georgia St #800. V6E 4E6
Calgary, AB. 120 6712 Fisher Street SE. T2H 2A7