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Business Planning

Smart Strategies for Business Owners

Tax-efficient planning, cash flow optimization, and succession strategies for incorporated and small business owners.

Business Planning

Running a business is hard work. We help you keep more of what you earn through smart tax and financial planning.

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For Sole Proprietors & Small Business Owners

Home Office Deductions
Business Planning

Home Office Deductions: What You Can Actually Claim

The rules are more specific than "a portion of my rent and utilities" — here is what qualifies.

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Vehicle Expenses for Small Business Owners
Business Planning

Vehicle Expenses for Small Business Owners: Getting It Right

The difference between a solid claim and a denied one often comes down to a logbook most people do not keep.

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Income Splitting for Sole Proprietors
Business Planning

Income Splitting for Sole Proprietors and Small Business Owners

Sharing business income with family members is legitimate — if it reflects real work at a reasonable rate.

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When Should You Incorporate
Business Planning

When Should You Incorporate? A Practical Decision Framework

Incorporation creates specific tax and legal effects — advantageous for some businesses, and not yet for others.

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How Can I Use AI to Balance My Books
Business Planning

How Can I Use AI to Balance My Books?

AI tools can take on the repetitive parts of bookkeeping — freeing up time for the decisions that matter.

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For Incorporated Business Owners

Salary vs Dividend
Business Planning

Salary vs Dividend: Which Saves You More in 2026?

It is rarely about the headline tax difference — CPP, RRSP room, and income splitting often matter more.

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The PHSP
Business Planning

The PHSP: The Most Underused Tax Strategy for Incorporated Owners

Pay your family’s health and dental expenses with pre-tax corporate dollars instead of after-tax personal ones.

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What to Do With Retained Earnings
Business Planning

What to Do With Retained Earnings in Your Corporation

Money left in a corporation does not have to sit idle — but it is not invested quite like personal savings either.

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Succession Planning for Family Businesses
Business Planning

Succession Planning for Family Businesses

Whatever the plan, it works best when it begins years before the transition — not in the months before it.

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Life Insurance Inside a Corporation
Business Planning

Life Insurance Inside a Corporation: When It Makes Sense

Tax-advantaged growth during life, and a tax-free mechanism for the death benefit — here is how the pieces fit.

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The Capital Dividend Account
Business Planning

The Capital Dividend Account: Taking Money Out Tax-Free

One of the few mechanisms that moves money from a corporation to shareholders completely tax-free.

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Advanced Insurance Strategies and Buy-Sell Agreements
Business Planning

Advanced Insurance Strategies for Business Owners: Buy-Sell Agreements and Beyond

What happens if a co-owner dies, becomes disabled, or wants out — a question worth answering before it is urgent.

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Joanne David CFP FCSI

Ready to Take Control of Your Financial Future?

Book a free 20-minute exploratory call with Joanne David CFP FCSI. No pressure, no sales pitch — just clear, honest advice tailored to your situation.

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Most clients say this is the most valuable 20 minutes they’ve spent on their finances.