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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
$9,000,000
TOTAL WEALTH · RRSP + CORPORATE ASSETS
$4,000,000
RRSP / RRIF · REGISTERED ASSETS
$5,000,000
CORPORATE ASSETS · STOCKS, REAL ESTATE, EQUITY
By asset type

Where Your Money Goes

Personal income — $500,000

53.5% tax rate
Tax (53.53%) · $267,650You Keep · $232,350

Ontario top marginal rate applies above ~$246K income

RRSP / RRIF — $4,000,000

53.5% tax on death
Tax (53.53%) · $2,141,200Heirs Receive · $1,858,800

Fully taxable on death as ordinary income

Corporate assets — $5,000,000

54.5% total tax
Corp CG Tax (25%) · $1,250,000Dividend Tax (39%) · $1,475,250You Keep · $2,274,750

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 $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.
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.

On $9M, more than half is at risk.
Let’s put your own numbers on this page.

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