Insights
One question per post, answered properly.
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Coming soon
The questions worth a full answer.
Business owners
Salary or dividends: how to actually decide
The trade-offs that matter: RRSP room, CPP, the corporate tax bill, and why the answer changes with your income.
Business owners
What to do with cash sitting in your corporation
Working capital first, then the rest. A framework for the amount that isn’t doing anything.
Retirees
Which account to draw from first
A withdrawal order that keeps you under the OAS threshold and out of a bracket you didn’t plan for.
Retirees
Should you delay CPP to 70?
What the deferral is actually worth, and the situations where taking it early is the better call.
Group plans
Group RRSP or DPSP: what to offer a team of twelve
What each one commits you to, what it costs to run, and which one staff actually value.