Corporate Strategy
The Capital Dividend Account, Explained Over Coffee
Canada's best-kept corporate secret in ten minutes: how insurance proceeds can leave your corporation tax-free — and why the structure must exist before it's needed.
Home/Insights
( 01 )The Reading Room
Insights —strategy, explained like a neighbour would.
Short, plain-language reads on the questions clients actually ask: corporate dollars, estate taxes, the CDA, and what coverage is honestly worth buying. New pieces added regularly.
( 02 )Latest Reads
Fresh from the desk.
Estate Planning
The Tax Bill Your Estate Doesn't Know It Owes
The deemed disposition in plain terms: what the CRA counts as 'sold' at death, what that costs, and the three ways families pre-fund it.
Family Protection
Bank Mortgage Insurance vs. Your Own Policy
Same monthly cost, very different product. Why lender coverage shrinks, who it actually protects, and the switch most homeowners never hear about.
Business Owners
Your Buy-Sell Agreement Is Probably Unfunded
An agreement without money is a lawsuit with a signature line. How owners fund the buyout in advance — and what it costs not to.
Living Benefits
Critical Illness Insurance: The Coverage For Surviving
Life insurance protects your family if you die; this protects your plans if you live. What CI pays, when, and how owners size it.
Legacy
Whole Life As A Legacy Asset: The Honest Math
Guarantees, dividends, and the exempt test — what participating whole life really offers long-horizon money, compared fairly against the taxable alternative.
Articles are educational and general in nature — not financial, tax, or insurance advice. For guidance on your situation, book a consultation.
insights
( 03 )Begin The Conversation
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