Think ahead.
Plan with perspective.

Your tax picture changes as life and business evolve. These topics are useful starting points for a conversation tailored to your circumstances.

For you and your family

Retirement savings

Review RRSP room, contribution timing and retirement goals before making decisions.

Education savings

Discuss how an RESP may fit your education savings plans and which program conditions apply.

Investment accounts

Consider how registered and non-registered accounts fit your time horizon and objectives.

Family income

Ask whether any pension-sharing or other permitted family arrangements apply to your circumstances.

Credits & expenses

Keep records of medical, childcare and other expenses that may qualify for relief.

Tax-free savings

Confirm your available TFSA room and understand withdrawal and recontribution timing.

As life changes

Estate planning

Review beneficiary designations and discuss your plans with appropriate legal and tax professionals.

Charitable giving

Keep donation receipts and review available ways of reporting eligible gifts.

Moving for work

Retain relocation records and ask whether your move meets the applicable conditions.

For business owners

Business structure

Compare the practical and tax implications of a sole proprietorship or corporation.

Owner compensation

Discuss the trade-offs between salary and dividends within your broader financial situation.

Corporate organization

Review whether a holding company or another structure serves a clear business purpose.

These are discussion topics, not recommendations. Eligibility, limits and tax outcomes depend on current rules and your circumstances. Visit the CRA ↗

Let’s make the next step clearer.

Tell us a little about your situation. We can discuss the support you need and the information to prepare.

Let’s talk

Think ahead.Plan with perspective.