Business Owners & Incorporated Professionals

Holdcos, salary-vs-dividends, IPPs, CDA, retained earnings strategy, and the integrated tax planning for Ontario business owners and incorporated professionals.

2 articles in this topic.

Pillar guides

Pillar Guide

Salary vs Dividends for Ontario Business Owners: The 2026 Decision Framework

The salary-vs-dividends decision isn't really about tax — it's about RRSP room, CPP, mortgage qualification, and what kind of retirement you're building. A complete, math-grounded guide for Ontario incorporated professionals and business owners on how to actually choose.

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What Is the Capital Dividend Account (CDA) in Canada? A Guide for Business Owners
The Capital Dividend Account lets Canadian private corporations pay certain amounts to shareholders completely tax-free. Marc Pineault, a financial planner in London, Ontario, explains how it works and who benefits most.

Pillar guides

Salary vs Dividends for Ontario Business Owners: The 2026 Decision Framework

All articles

What Is the Capital Dividend Account (CDA) in Canada? A Guide for Business Owners