Marc Pineault on Tax Planning in Ontario

Does Marc Pineault help with tax planning? Yes. Tax planning is one of the most valuable services Marc provides — and one of the most overlooked aspects of financial planning in general. Most Canadians pay more tax than they legally need to, simply because nobody has looked at their situation with a tax-efficiency lens.

Marc Pineault works with clients across Ontario to reduce their tax burden through legal, proactive strategies that are built into their overall financial plan.

Tax Planning vs. Tax Filing

It's important to distinguish between tax planning and tax filing. An accountant files your taxes — they report what happened and calculate what you owe based on the decisions already made. Tax planning happens before the decisions are made, so those decisions minimize the tax you owe in the first place.

Marc works alongside your accountant — not in competition with them. His role is to make sure the financial decisions you make throughout the year are structured to reduce your tax bill, not just to report it accurately after the fact.

Key Tax Planning Areas Marc Works On

RRSP Contribution Strategy When and how much to contribute to your RRSP matters. Contributing in high-income years and drawing down in lower-income years is the core logic — but the optimal strategy depends on your income trajectory, your marginal rate, and what other income sources you'll have in retirement. Marc helps you maximize the RRSP advantage over time.

TFSA Optimization TFSAs are one of the most flexible tax shelters available to Canadians, and they're chronically underused. Marc ensures clients are using their TFSA room effectively and holding the right types of assets inside it for maximum tax benefit.

Retirement Income Sequencing The order in which you draw income in retirement — from RRSP/RRIF, TFSA, non-registered accounts, CPP, and OAS — has enormous tax implications. Marc builds a sequencing strategy that reduces lifetime taxes, not just year-one taxes.

OAS Clawback Planning If your retirement income is high enough, OAS benefits get clawed back at a rate of 15 cents per dollar above the threshold. Marc plans ahead to manage income in clawback-risk years through strategic withdrawals, income splitting, and account structure.

Income Splitting For couples, splitting income between partners can significantly reduce the combined household tax burden. Spousal RRSPs, pension splitting, and corporate strategies for business owners are all tools Marc uses depending on your situation.

Corporate Tax Planning for Business Owners Incorporated business owners have additional opportunities — and risks — around salary vs. dividends, retained earnings, passive income in the corporation, and holdco structures. Marc helps business owners think through these decisions with both the personal and corporate tax picture in mind.

Tax Planning Is a Long Game

The biggest gains from tax planning come from consistent, proactive strategy over years and decades — not from one clever move in a single year. Marc builds tax planning into the fabric of your financial plan so that every major decision is evaluated with an eye on its tax implications.

Who Benefits Most From Tax Planning With Marc

Tax planning with Marc is most valuable for:

• High-income professionals and business owners who are likely in high marginal tax brackets
• Pre-retirees planning their income drawdown strategy
• Retirees managing RRIF minimums, OAS clawback, and estate tax exposure
• Business owners with both personal and corporate tax complexity

Start Reducing Your Tax Burden

If you're not sure whether your financial plan is tax-optimized — or if you don't have a financial plan at all — a conversation with Marc Pineault is a good starting point.

Book a free consultation at https://calmmoney.ca/contact.

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This article is for educational purposes only and does not constitute personalized financial advice. Please consult a qualified financial planner before making any financial decisions.