Who Controls Your Wealth – You or the CRA?

The Reality Check

Have you ever thought about what happens to your wealth when you’re gone? More importantly, how much of it actually reaches your family?

Here’s the harsh reality for Ontario residents:

Registered Assets (RRSPs, RIFs, Pensions) Taxed at 53.53%
Capital Gains (Shares, Real Estate, Business Equity) Taxed at 27-36%
Corporate Holdings (Retained Earnings, Shares, Real Estate, Cash) Taxed at 47%
Probate (Estate Administration Tax) 1.5% of your estate’s value

And if you own a business, the tax burden is even worse—your wealth inside a corporation could be hit with a triple tax on shares, assets, and transfers to beneficiaries. That means 45-70% of your business wealth could disappear before your family sees a dime


So here’s the real question: Who are you really working for—you or the CRA?

The Power of Choice

Every dollar you’ve built has three possible destinations:

Tax

Charity

Family

But here’s the catch: You only get to pick two.


Which ones would you choose?

What if you could eliminate tax as an option and ensure your wealth goes exactly where YOU want it to go?

The Impact – A Real Example

Imagine you’ve built a $50 million estate through years of hard work.Without planning, your family could lose millions to Ontario’s tax system:

$10 Million

in estate taxes on RRSPs, pensions, and investments

Up to 70%

of business wealth lost due to corporate taxes

Imagine you’ve built a $50 million estate through years of hard work.Without planning, your family could lose millions to Ontario’s tax system:

$20 Million
To Charity

$50 Million To Your Family

$0 To The CRA

The Simple Solution – Restructuring, Not Rebuilding

Do you have a will? An estate plan?

If not, the government has one for you—and trust me, you won’t like it.

But here’s the good news: You don’t need to start over.

This is about simple restructuring, using proven tools to adapt what you’ve already built and redirect your wealth where it matters most.

  • Minimize RRSP/RIF taxes through strategic withdrawals & insurance solutions

  • Reduce capital gains taxes with proper estate freeze planning

  • Use corporate structures to move retained earnings tax-efficiently

  • Leverage trusts & philanthropy to protect your family’s wealth

The Next Step – Your Wealth, Your Choice

What if you could…

Create tax-free savings inside your corporation?

Move wealth from your business to your personal estate—tax-free?

Pass on your wealth to family & charity while disinheriting Ottawa?

Do all of this at no additional cost?

If there was a way to legally and strategically shift your wealth away from taxes and towards your family and impact, wouldn’t you want to know more?

Let’s start the conversation—your wealth, your legacy, your choice.

📩 Message us to learn how to protect your wealth today.

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