The real cost shows up later, when that same dollar tries to become something else: personal income, an investment return, an inheritance. Each move it makes triggers tax again, often at a rate higher than most people expect.
Tax mitigation is not about avoiding tax. It is about controlling when, how, and how often a dollar gets taxed as it moves through your corporation, into your hands, and eventually to your family.
You likely have the pieces in place already. Each one does its job on its own.
What they rarely do is work together as a single plan for what happens at death. A document that has not been reviewed in years. No plan for what happens to the business. Assets moving through probate when they did not need to. Individually, each gap is manageable. Together, at the wrong moment, they compound.
