Wealth Defence · Tax Mitigation
Keep more of what you’ve built —
while you’re here to enjoy it.
The tax system takes a share every time your wealth moves. Most of it can be planned for.
53.53%
on registered funds
47%+
corporate to personal
27%
on capital gains
The Problem
You're taxed every time your wealth moves.
Money out of your corporation. Income in retirement. The sale of your business. Each move is taxed — and each one differently.
Your CPA, lawyer, and advisor each do their job well. But no one is managing the whole picture — and that’s where the cost hides.
“The same dollar gets taxed far harder than it had to — simply because no one was managing the whole picture.”
Registered funds
RRSP / RRIF
53.53%
Passive income
Inside the corporation
50.17%
Corporate to personal
Default extraction
47%+
Capital gains
Shares, real estate, business
27%
Approximate Ontario top marginal rates, for illustration — confirm with your advisor. The wealth most owners hold is taxed the hardest when it moves.
Why It Matters Now
This isn't about dying. It's about now.
These strategies move wealth into your own hands, tax-efficiently, while you’re alive
to use it. A strong estate result is the bonus — not the point.
The default way
~$470K
lost
Pull $1,000,000 out of your corporation the default way, and roughly 47%+ can be lost to tax before it reaches you.
The default way
More stays yours
Sequenced and structured with a strategy, significantly more of that $1,000,000 ends up in your hands.
Illustrative only, based on $1M. The 47%+ figure is an approximate Ontario top rate; the amount kept with a plan depends on your
structure and a current illustration reviewed with your CPA.
What a Plan Does
One strategy across all of your wealth.
Move corporate wealth into personal hands
Tax-efficiently, on your timeline — not all at once at the worst rate.
Shrink the government’s share
Less unnecessary tax across every asset class.
Build in a tax-free component
Where the rules allow, position part of your wealth to transfer tax-free.
Coordinate your existing team
Your CPA, lawyer, and advisors aligned to one plan — not four mandates.
Start the Conversation
Find out what your gaps are costing you.
A conversation costs nothing. The Wealth Snapshot takes five minutes.
More Areas of Focus
Estate Planning
Make sure what you built lands where you intended.
Corporate Insurance
Turn a taxed asset into a tax-advantaged one.
Living Benefits
Protect the person the plan depends on: you.
Charity
Real tax wins while you’re alive — not just at death.
Wealth Defence — Toronto, Ontario
© 2026 Return on Life. All rights reserved.
Wealth Defence — Toronto, Ontario