Tax Planning
Income splitting, prescribed rate loans, asset location, principal residence rules, AMT, and the tax-planning levers that move the needle for Ontarians with savings.
27 articles in this topic.
Pillar guides
All articles
Tax Planning with a Financial Planner Near Chatham-Kent, Ontario
Looking for a financial planner in Chatham-Kent, Ontario to help with tax planning? Many southwestern Ontario residents work with retirement planners in London, Ontario to reduce taxes in retirement and make smarter income decisions.
How to Structure Withdrawals from RRSP, TFSA, and Non-Registered Accounts Together
Learn how to coordinate RRSP, TFSA, and non-registered withdrawals in retirement to manage your tax bill and make your money last longer. Marc Pineault, a retirement planner in London, Ontario, breaks down the key principles.
What Is the Spousal RRSP Attribution Rule? A Plain-English Guide for Canadians
The spousal RRSP attribution rule determines who pays tax on withdrawals — and the timing matters more than most people realize. Marc Pineault, a financial planner in London, Ontario, explains how the three-year rule works and how to avoid a costly tax surprise.
RRSP vs TFSA for Someone Earning $150K in Ontario
At $150,000 a year, the RRSP vs TFSA decision is worth getting right — and the answer is not obvious. A financial planner in London, Ontario breaks down the key factors for high-income Ontarians.
Group RRSP vs Personal RRSP for an Ontario Employee: What You Need to Know
Wondering whether to use a group RRSP through work or open a personal RRSP on your own? This guide breaks down the key differences for Ontario employees, with plain-English answers from a financial planner in London, Ontario.
Alternative Minimum Tax (AMT) in Canada 2026: What You Need to Know
The Alternative Minimum Tax (AMT) in Canada was overhauled in 2024 and the expanded rules are still in force for 2026 — here's what triggers it, who it affects, and how London, Ontario residents can plan ahead.
RRSP Contribution Deadline and Limit in Canada 2026: What You Need to Know
Wondering about the RRSP deadline and contribution limit for 2026? This plain-language guide covers key dates, how your personal limit is calculated, and carry-forward rules — from London, Ontario financial planner Marc Pineault.
Best Financial Planner for Corporate Tax Planning in Ontario
Corporate tax planning in Ontario involves decisions about how to pay yourself, manage retained earnings, and plan your eventual exit — all of which interact with each other. This guide explains what incorporated business owners should look for in a planning relationship and how a retirement planner can help coordinate those decisions effectively.
Financial Planning for High-Income Earners in Ontario
Financial planning for high-income earners in Ontario — tax optimization, corporate structures, investment strategy, and wealth protection for those earning above average.
Capital Gains Tax in Ontario: What You Need to Know
Capital gains tax in Ontario applies when you sell an investment or property for more than you paid. Learn how gains are calculated, what the inclusion rate means, and how to manage your exposure.
Corporate Financial Planning for Business Owners: Salary, Dividends, and Strategy
Learn how corporate financial planning works for incorporated professionals and business owners in London Ontario, including salary vs. dividends and tax strategies.
Cottage Property and Financial Planning in Ontario
Ontario cottage owners face significant capital gains, estate, and succession planning decisions. Here's how cottage property fits into a broader financial plan.
The Disability Tax Credit in Ontario: What It Is and How to Use It in Your Financial Plan
The Disability Tax Credit can reduce federal and provincial taxes significantly — and opens the door to other benefits. Here's what Ontario residents need to know.
Dividend Investing in Ontario: Tax Considerations You Need to Know
Dividends from Canadian corporations receive preferential tax treatment in Ontario — but only if you understand the rules. Here is what Ontario investors need to know about dividend taxation.
Financial Planner for Business Owners in Ontario: What You Need to Know
Ontario small business owners face unique financial planning challenges — from incorporation decisions to succession planning. Here's what working with a financial planner for business owners actually looks like.
Income Splitting in Retirement: How It Works in Ontario
Learn how income splitting in retirement works in Ontario, including pension income splitting, spousal RRSPs, and strategies to reduce your household tax bill.
Financial Planning for Incorporated Business Owners in Ontario
Incorporated business owners in Ontario face a unique set of financial planning decisions — from salary vs. dividends to holdco strategies. Here's what you need to know.
Passive Investment Income in Your Corporation: What Ontario Business Owners Need to Know
Ontario business owners who invest inside their corporation need to understand how passive investment income can erode the small business deduction — and what to do about it.
Selling Your Business in Ontario: What Financial Planning Actually Looks Like
Selling a business in Ontario involves far more than finding a buyer. Learn how financial planning around the LCGE, capital gains, and post-sale retirement can protect what you've built.
Selling Your Business in Ontario: Financial Planning Considerations
Selling a business in Ontario is one of the most significant financial events of your life. Understanding succession planning, the LCGE, and tax implications can make a major difference in what you keep.
Tax-Efficient Retirement in Ontario: The Levers That Matter Most
Tax planning is the single biggest lever in retirement income planning. Here is how Ontario retirees can reduce lifetime tax and keep more of their savings.
Tax-Loss Harvesting in Ontario: What It Is and When It Makes Sense
Tax-loss harvesting is a legitimate strategy for reducing capital gains taxes in Ontario. Here's how it works, when it applies, and what to watch out for.
Tax Planning with a Financial Advisor: What You Need to Know
Learn how tax planning works with a financial planner, including RRSP strategies, income splitting, and year-round optimization for London Ontario residents.
Tax Planning for Retirees in Ontario
Discover key tax planning strategies for retirees in Ontario, from minimizing OAS clawback to managing RRIF withdrawals and optimizing your after-tax retirement income.
Financial Planning During and After Divorce in Ontario
Navigating the financial side of divorce in Ontario — from property division and pension splitting to rebuilding your financial plan as a single person.
Pension Income Splitting in Ontario: How Couples Can Save Thousands in Taxes
Pension income splitting allows Ontario couples to reduce their combined tax bill by allocating up to 50% of eligible pension income to a lower-income spouse. Learn the rules, who qualifies, and how much you can save.