• The Exempt Transfer can add significant value for you, your family, and shareholders. No other tax savings concept allows for tax-free wealth transfer, supports a retirement income stream, and bolsters the balance sheet.

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  • Succession often poses a serious challenge for most business owners as different family members often have different wants and needs. There is usually agreement that the company produces the wealth. The Exempt Transfer provides a prompt source of tax-free cash when it is needed most. This buys the family the time to make the tough decisions. Learn More.

  • Tax planning provides significant opportunities for both the company and the family. Efficient tax planning provides more operating capital for the company as well as consumption capital for you and your family. It is important that a business owner understands the benefits of The Exempt Transfer from a tax planning perspective. Learn More.

  • Estate planning is essential for any business owner where there are complex challenges and significant assets. Effective estate planning makes both the business and the family more tax efficient. The Exempt Transfer addresses many complex estate issues and allows for the efficient transfer of wealth from the company and its shareholders to the family. Learn More.

  • Multiple shareholders of a company often have a shareholders agreement. The critical consideration is not how shares will be purchased, but how the share purchase is funded. Even if surviving shareholders or the company has the cash on hand - The Exempt Transfer is an efficient funding mechanism due to the tax advantages. Learn More.

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Industry Articles

July & August 2020 – CLU Comment

July 24, 2020

                   We are pleased to provide you with the latest bimonthly Chartered Life Underwriter (CLU) Comment letter, number 319 for July & August 2020.This edition of COMMENT looks at three issues: Underwriting insurance during … read more

September & October 2019 – CLU Comment

October 23, 2019

We are pleased to provide you with the latest bimonthly Chartered Life Underwriter (CLU) Comment letter, number 317 for September & October 2019. This edition of COMMENT looks at two issues: Multiplying The Capital Gains Exception, and Maturing An RRSP. Read the full CLU Comment

July & August 2019 – CLU Comment

August 27, 2019

We are pleased to provide you with the latest bimonthly Chartered Life Underwriter (CLU) Comment letter, number 316 for July & August 2019. This edition of COMMENT looks at four issues: The Unique Nature of a Policy Loan, Be Cautious when Structuring a Charitable … read more

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Blog Entries

CRA makes out of court settlement

May 31, 2019

“The Canada Revenue Agency has once again made a secret out-of-court settlement with wealthy KPMG clients caught using what the CRA itself had alleged was a “grossly negligent” offshore “sham” set up to avoid detection by tax authorities, CBC’s The Fifth Estate and Radio-Canada’s … read more

American bumblebee is facing extinction from Canada

April 23, 2019

  “A team of researchers at York University has warned that the American bumblebee is facing imminent extinction from Canada, and this could lead to “cascading impacts” throughout the country,” wrote Desmond Brown for CBC News on April 22, 2019. Brown … read more

Vaccination booster for adults

April 12, 2019

  “Vaccinations are commonly considered a childhood health issue, but if adults think they’re protected, doctors say that’s not always the case. Some adults may need a vaccination booster for highly contagious infectious diseases like measles,” wrote Amina Zafar for … read more

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