Insurance strategy for Ontario'sprofessionals, owners, and estates.
From professional corporations in Toronto to family businesses in Kitchener-Waterloo and cottages in the Kawarthas, Ontario wealth is structured, taxed, and probated in its own particular way. Tanya Michel is licensed in the province and plans accordingly.
Big-province wealth, personal-scale advice.
Ontario concentrates more incorporated professionals, private corporations, and multi-property estates than anywhere in Canada — and pairs them with the estate administration tax and probate timelines that make unplanned transfers expensive. It's a province where the gap between a planned estate and a default one is measured in six figures with regularity.
Tanya’s Ontario practice focuses where that gap is widest: corporate-owned insurance and Capital Dividend Account strategies for professionals and business owners; estate funding for the deemed disposition on portfolios, businesses, and cottages; and named-beneficiary structures that keep proceeds outside the probate queue in most circumstances.
She serves Ontario entirely virtually — a deliberate model that trades a Bay Street address for lower overhead, evening availability, and preparation depth. Licensed through the Financial Services Regulatory Authority of Ontario, she coordinates with your Ontario accountant and lawyer on every structural decision.
Across the province.
The strategies Ontario structures call for.
Professional-corporation planning
Corporate-dollar funding, practice protection, and retained-earnings strategy for Ontario's physicians, dentists, and lawyers.
CDA strategies
Capital Dividend Account design that moves corporate wealth to families tax-efficiently, subject to CRA rules.
Estate administration tax planning
Named-beneficiary structures and estate liquidity that shrink what passes through probate.
Cottage succession funding
Insurance sized to the gains tax on the family cottage — so it stays the family's.
Permanent & whole life
Guaranteed lifetime coverage compared across Canada's major insurers.
Buy-sell & succession funding
Funded shareholder agreements for Ontario's family and partner-owned businesses.
From a Toronto medicine professional corporation to a Muskoka cottage with fifty years of gains — Ontario plans are built around Ontario’s specific frictions.
The advantage of deliberate distance.
Specialist focus
Corporate structures, CDA planning, and estate funding are Tanya's daily work — the exact strategies Ontario's professional and owner classes need most.
Virtual by design
Evening and weekend video consultations that fit GTA commutes and Ottawa schedules — with electronic documents end to end.
Team-based implementation
Your Ontario accountant and lawyer stay in the loop from design to delivery — because structures signed off by the whole team are the ones that hold.
Working with Tanya in Ontario, answered plainly.
Is Tanya licensed for Ontario residents?+
How does insurance interact with Ontario's estate administration tax?+
Does virtual advice work for complex corporate strategies?+
Can Tanya help with our family cottage?+
Related pages worth a look.
Ontario's frictions, planned for in advance.
A no-obligation virtual consultation — evenings available, accountants welcome, jargon left at the door.