Incorporated Professional · Ontario · Prepared 2026
You've built significant wealth. The question is how much of it survives — taxes, transitions, and time. This page shows you exactly where it's at risk.
Total Wealth
$9,000,000
RRSP + corporate assets
RRSP / RRIF
$4,000,000
Registered assets
Corporate Assets
$5,000,000
Stocks, real estate, equity
Where Your Money Goes — By Asset Type
Personal Income — $500,000
Tax (53.53%)$267,650
You Keep$232,350
Ontario top marginal rate applies above ~$246K income
RRSP / RRIF — $4,000,000
Tax (53.53%)$2,141,200
Heirs Receive$1,858,800
Fully taxable on death as ordinary income
Corporate Assets — $5,000,000
Corp CG Tax (25%)$1,250,000
Dividend Tax (39%)$1,475,250
You Keep$2,274,750
Sell inside corp → dividend out. Two tax hits on the same dollar.
The RRSP Problem
Your $4M RRSP looks like $4M. On death, CRA treats it as income — taxed at 53.53%. Your heirs receive $1.86M. The other $2.14M goes to the government. Most people have never seen this number written down.
The Two-Tax Hit on Corporate Assets
$5M in corporate assets gets taxed twice. Capital gains inside the corp (~25%) leaves $3.75M. Moving that to personal as a dividend costs another ~39% — $1.47M more. You started with $5M. Your family receives $2.27M.
What This Means
On $9M of wealth, more than half — $5M — goes to CRA without a plan. That's not a tax rate problem. It's a coordination problem. The right structure, in place before these events happen, changes every number on this page.
See Your Numbers
What does your Wealth Snapshot look like?
Enter your own numbers and see exactly where your wealth is exposed — in under 5 minutes.
This is your starting point — not your outcome. A coordinated Wealth Defence strategy can significantly reduce every number on this page. The next step is a conversation to map your complete picture.
Peter Lount
Return on Life · returnonlife.ca
647 697 5022 · info@returnonlife.ca
Wealth Coordinator
For illustrative purposes only. Tax figures are estimates based on Ontario 2024–2025 rates and are not tax advice. RRSP/RRIF rate of 53.53% reflects Ontario top marginal rate on death. Corporate capital gains tax of ~25% reflects combined federal/Ontario rate on capital gains inside a CCPC using the 50% inclusion rate — verify current rate with your CPA as federal proposals may affect this. Dividend-to-personal tax of ~39.34% reflects Ontario top marginal rate on eligible dividends on after-tax corporate proceeds; actual treatment depends on CDA balance, share structure, RDTOH, and other factors — a broader planning discussion is required. Probate estimated at 1.5% of estate value. This document does not constitute legal, tax, or investment advice. Consult your legal, accounting, and financial professionals.