Corporate Structuring & Tax
Where your income sits decides how much of it you keep.
How your business is structured quietly decides how much tax you pay, how protected your wealth is, and how cleanly you can one day step away. For an owner, structure is not paperwork. It is one of the highest-leverage decisions you will make.
The gap between corporate and personal is the whole point
In Ontario, active small-business income can be taxed at a combined rate near 12%, while the top personal rate reaches 53.53% (Ontario combined rates, 2025). That gap is why structure matters so much: where income sits, how it is held, and when it is drawn all decide how much of what you earn stays working for you.
Is your structure built for the business you have, or the one you had ten years ago?
Structure as strategy
We coordinate the corporate side of your wealth with your accountant and lawyer: holding companies that retain and reinvest earnings while providing a measure of creditor protection, the prudent use of corporate and family vehicles, income strategies that comply with the rules, and an estate freeze where it fits to cap a growing tax bill and pass future growth to the next generation. Each piece is chosen for your situation, not pulled off a shelf.
Built to be ready, not just efficient
Good structure does more than lower taxes today. It keeps the business protected, the books clean, and the company ready to sell or pass on when the time comes, so a future transition is not held up by a structure built for a different era. (See Business Succession & Exit Planning.)
How much of what your company earns is actually working for your family?
For owners whose wealth has outgrown a single account
Built for business owners whose affairs span corporate and personal, and who want them structured deliberately rather than by default.
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Receive a comprehensive financial review valued at up to $1,500 — at no cost and with no obligation.
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The first step is a conversation, not a commitment. We will get to know each other, answer your questions, and see whether we are the right fit.
519-836-9910
