Wealth Defence · Tax Mitigation

Every dollar you move out of your corporation is a dollar the government wants a piece of.

Without a plan, you could give up close to half of it. With one, you keep control of where it goes.

Return on Life · Wealth Defence
Where the tax hits
On registered funds53.53%
On corporate passive income50.17%
Corp-to-personal, worst case47%+
On capital gains~27%
01
The problem

Half of it, gone by default

You didn’t build a business to hand half of it to the government. But that’s what happens by default. Every dollar sitting in your corporation, every dollar you eventually move into your own hands, passes through layers of tax most business owners never see coming until the bill arrives.

Your accountant files the return. Your investment advisor manages the portfolio. Your lawyer drafts the documents. All good at their jobs. None of them is responsible for the tax drag between the pieces: the slow leak that happens simply because nothing is coordinated.

02
Where it hits

Where the Tax Hits

Registered Assets (RRSP, RRIF, Pensions)53.53%
Top marginal rate on registered funds at death, Ontario.
Corporate Passive Income50.17%
Investment income held inside the corporation, taxed annually.
Corporate-to-Personal Extraction47%+
Worst-case scenario, not a flat rate. Varies by structure and timing.
Capital Gains~27%
Shares, real estate, and business equity, current inclusion rate.
Estate Administration Tax (Probate)~1.5%
Applied to market value of assets passing through your estate.
03
Two paths

The same wealth, two very different outcomes

The Default Way

Uncoordinated

  • Passive income inside the corporation taxed annually at up to 50.17%
  • Corporate-to-personal extraction can cost 47%+ in a worst-case scenario
  • Capital gains taxed at roughly 27% with no proactive planning ahead of a sale
  • Registered assets exposed to tax of up to 53.53% at death
The Wealth Defence Way

Coordinated

  • Passive income sheltered through tax-exempt growth strategies
  • Corporate dollars moved into personal hands more tax-efficiently
  • Capital gains managed proactively, ahead of a sale or transition
  • Registered and estate assets protected through a coordinated plan
“

You’ve done the hard part. The tax code doesn’t care how hard you worked, only how well you planned.

04
How we help

How We Help

1
Tax-efficient corporate-to-personal extraction strategies
2
Reducing passive income tax drag inside the corporation
3
Capital gains planning ahead of a sale or transition
4
Coordinating with your CPA so strategy and filing are never working against each other