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  • Wealth Snapshot · Tax Exposure Review

You’ve built significant wealth. How much of it survives?

The question is how much of it survives — taxes, transitions, and time. This page shows you exactly where it’s at risk.
SAMPLE CLIENT PROFILE · INCORPORATED PROFESSIONAL · ONTARIO · PREPARED 2026
Your Wealth
TOTAL WEALTH · RRSP + CORPORATE ASSETS
Registered Assets
RRSP / RRIF · FULLY TAXABLE ON DEATH
Corp Holdings
CORPORATE ASSETS · STOCKS, REAL ESTATE, EQUITY
By asset type

Where Your Money Goes

RRSP / RRIF — on death

53.5% tax on death
Tax (53.53%)Heirs Receive (46.47%)

Fully taxable on death as ordinary income

RRSP / RRIF — registered assets

53.5% tax on death
Tax (53.53%)Heirs Receive (46.47%)

Fully taxable on death as ordinary income

Corporate assets — two tax events

54.5% total tax
Corp Cap Gains (25%)Dividend to Personal (39%)You Keep (45.5%)

Sell inside corp → dividend out. Two tax hits on the same dollar.

What this means

More than half — without a plan

The RRSP problem

Your RRSP looks like an asset. On death, CRA treats it as income — taxed at 53.53%. Less than half reaches your heirs. The rest goes to the government. Most people have never seen this written down.

The two-tax hit on corporate assets

Corporate assets get taxed twice. Capital gains inside the corp (~25%) reduce what’s left. Moving that to personal as a dividend costs another ~39%. You started with a dollar. Your family receives less than half.

What this means

More than half of what you’ve built can go 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.
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.

Not a tax rate problem. A coordination problem.
Let’s put your own numbers on this page.

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