Tax Solutions
Keep More of What You Earn
The accounts and products you choose affect how much tax you pay now, in retirement, and when your estate passes on. We help you use the tools available to Canadians.
- Licensed in Canada
- Free, no-obligation advice
- English & Farsi
Where we help
Tax-Efficient Planning at a Glance
01
RRSP vs. TFSA
Choose the account that saves you more based on your tax rate.
02
Retirement income
Plan withdrawals to manage your bracket and protect OAS.
03
Estate planning
Use insurance and beneficiaries to cover final taxes and reduce probate.
04
Business owners
Insurance-based strategies for protection and succession.
Strategies
Common Strategies We Review
- Spousal RRSPs and pension income splitting
- TFSA contributions for tax-free growth
- Ordering retirement withdrawals to reduce tax
- Naming beneficiaries to avoid probate where possible
- Permanent life insurance to cover taxes at death
How it works
Four Simple Steps
- ReviewWe look at your income, accounts, and goals.
- IdentifyWe find opportunities to reduce tax over your lifetime.
- CoordinateWe work alongside your accountant or lawyer.
- ReviewWe revisit your plan as rules and your life change.
Questions
Frequently Asked Questions
Do you prepare tax returns?
No. We focus on planning with accounts, insurance, and investments. We work alongside your accountant.
What is pension income splitting?
Eligible pension income, including RRIF income from age 65, can be split with a spouse to lower your combined tax.
How does life insurance help with taxes?
At death, RRSPs, RRIFs, and capital gains can create a large tax bill. A tax-free life insurance benefit can pay it so your estate stays intact.
Talk to an advisor
Meet Our Licensed Advisors
Choose the advisor who fits you best, view their profile, and book a free consultation directly in their calendar.
Sina Kia
Founder & Licensed Advisor
Mana Mohamadi
Licensed Advisor
Not Sure Where to Start?
Book a free, no-obligation consultation. We will listen, answer your questions, and explain your options in plain language.
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Tax rules and contribution limits change; figures reflect 2026 rules. We do not provide tax or legal advice, so please confirm your situation with your accountant. This page is for general information and is not personalized advice. Disclosure