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.
12 articles in this topic.
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IPP vs RRSP for an Incorporated Business Owner in Ontario: How to Compare Them
An educational comparison of Individual Pension Plans and RRSPs for incorporated business owners in Ontario, with 2026 CRA limits and a worked example. Written with Marc Pineault, a retirement planner in London, Ontario.
Corporate Tax Planning Help in Guelph: What to Look For
Looking for corporate tax planning help in Guelph? This guide explains what to look for in an advisor and how a retirement planner in London, Ontario can help incorporated business owners across southwestern Ontario.
What Is a Holdco in Canadian Small Business Tax Planning?
A holdco (holding company) is a powerful tool Ontario small business owners use to protect profits, defer tax, and build retirement wealth inside a corporate structure. Marc Pineault, a retirement planner in London, Ontario, explains how it works and when it makes sense.
Permanent Life Insurance in a Corporation vs Personally Owned in Ontario
Ontario business owners often debate whether to hold permanent life insurance inside their corporation or own it personally. This guide explains the tax treatment, estate planning implications, and key trade-offs for Canadians — including insight from Marc Pineault, a retirement planner in London, Ontario.
Should I Keep Cash in My Corporation or Pay It Out as Dividends?
Incorporated business owners in Ontario face a critical decision every year: leave retained earnings inside the corporation, or pay them out as dividends? Marc Pineault, a retirement planner in London, Ontario, breaks down the key tax and planning factors you need to understand.
Dividends or Salary in 2026: What Ontario Business Owners Need to Know
Ontario incorporated business owners face a recurring question every year: is it better to pay yourself a salary or take dividends in 2026? Marc Pineault, a retirement planner in London, Ontario, breaks down the key tax, CPP, and RRSP trade-offs so you can make a more informed decision.
Salary vs. Dividends for a Corporation in Ontario: What Business Owners Need to Know
If you own a corporation in Ontario, deciding whether to pay yourself a salary or dividends is one of the most important annual tax decisions you'll make. This guide explains how each option works and what to consider, from RRSP room to CPP to corporate tax rates — with plain-English context for business owners in London, Ontario and across the province.
CDA Payout vs Salary for an Ontario Incorporated Professional
Incorporated professionals in Ontario can choose between tax-free Capital Dividend Account payouts and regular salary — but each tool works differently and fits different situations. This guide explains how both work and when each one makes sense, from a financial planner in London, Ontario.
Whole Life vs Term Insurance for an Ontario Business Owner
Trying to decide between whole life and term insurance for your Ontario business? This plain-English breakdown covers the key differences, business use cases, and corporate tax considerations — written for business owners in London, Ontario and across the province.
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 retirement planner in London, Ontario, explains how it works, how to pay a capital dividend, and who benefits most.
Charitable Giving as a Tax Strategy in Ontario
Charitable giving in Ontario can be a meaningful tax planning tool — for individuals and incorporated business owners alike. Here's how donation tax credits, appreciated securities, donor-advised funds, and corporate giving through the capital dividend account all work.