For incorporated business owners

Retirement planning for incorporated business owners in Ontario

Most of your wealth is locked inside the corporation, and nobody has shown you how to get it out without handing a fortune to the CRA. Your accountant files the return. Your investment person picks funds. But the plan that ties the company, your taxes, and your retirement income together is the one piece almost no incorporated owner actually has. That is the part I build.

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What people in your situation usually wrestle with

Salary, dividends, or both

The mix changes your tax bill, your CPP, and how much you can pull each year. Most owners guess at it or copy what they did last year.

Money trapped in the holdco

Retained earnings keep piling up with no plan to move them to you efficiently, and the passive income rules quietly claw back your small business deduction.

No corporate retirement plan

Employees get pensions and group plans. Owners are left to figure out their own retirement income, usually far too late.

The sale or wind-down

Whether you sell, transition, or just stop, getting the timing and structure right is worth more than any single year of returns.

What we look at together

No homework and nothing to prepare. Here is the ground we cover.

  • Salary versus dividend mix for this year and the years ahead
  • Getting retained earnings out of the company tax-efficiently over time
  • Using corporate dollars for insurance and the capital dividend account
  • When to draw CPP and OAS alongside corporate income, without triggering the clawback
  • How your corporate wealth becomes a steady, tax-smart retirement paycheque
  • What happens to the company and your estate if something happens to you

How working together looks

We start with a free assessment to see where you stand. If it makes sense to go further, I build a plan that treats the company and your personal retirement as one connected picture, then we manage it together so it actually gets done, not filed in a drawer.

Common questions

I already have an accountant. Why would I need a retirement planner too?
Your accountant looks backward and files what already happened. I look forward and build the plan: how to pay yourself, how to move money out of the company over time, and how to turn it all into retirement income. The two roles work best side by side, and I am happy to coordinate with your accountant.
Should I be paying myself salary or dividends?
It depends on your income needs, your CPP picture, the passive income in the company, and what you are trying to build for retirement. There is no single right answer for everyone, which is exactly why it is worth modelling for your situation rather than guessing.
What does it cost to work together?
We walk through that openly on the free assessment, so you know exactly what working together would look like and what it would cost before you commit to anything. There is nothing to buy on the first call.

Ready for a clear answer?

The free assessment is one relaxed conversation, usually about thirty minutes. No pressure, no pitch, nothing to buy. You walk away with a straight read on where you stand.

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Prefer to ask a question first?

Send a message and I'll get back to you within 1-2 business days.

Not sure this is you? Start with the free assessment anyway →