Tax Planning
Tax planning isn’t just about reducing what you owe today. It’s also about understanding how today’s financial decisions may affect your taxes in the future. I help you explore how tax deductions, credits, and registered accounts such as RRSPs, TFSAs, and FHSAs fit into your overall financial plan. For business owners, I also consider how personal and corporate finances interact and collaborate with tax professionals when specialized advice is needed.
- Deduction, credit and expense review
- Income splitting between spouses
- Salary vs. dividends vs. retained earnings
- Personal and corporate tax planning
- Which investments to hold in which account (TFSA, RRSP, etc.)
Government Benefits
Canada offers a wide range of government benefits for families, children, housing, parental leave, employment transitions, and retirement. However, many people are unaware of the programs they may qualify for or how their income and financial decisions can affect their benefits. I help you understand available programs, eligibility requirements, and how government benefits connect with your taxes and overall financial situation.
- Canada Child Benefit (CCB)
- BC Family Benefit
- Child care support
- Home Owner Grant · Property Tax Deferment
- Canada Pension Plan (CPP) · Old Age Security (OAS) · GIS
- Employment Insurance (EI) · Income Assistance · WorkBC Wage Subsidy
- Canada Groceries and Essentials Benefit (CGEB) — formerly the GST/HST Credit
Financial Planning
From buying your first home and saving for your children’s education to building wealth, preparing for retirement, and protecting your family’s financial future, every goal requires a thoughtful plan. I help you turn those goals into practical steps by looking at your income, assets, debts, and family priorities. Together, we explore savings options, investment accounts, and strategies that fit your short-, medium-, and long-term needs.
- Cash flow and net worth review
- Debt and mortgage management, emergency fund planning
- Credit score and credit management
- Short-, medium- and long-term goal setting
- Investment planning · TFSA, RESP, RRSP and FHSA strategies
- Long-term savings for your children
- Estate and wealth transfer planning
- Immediate Financing Arrangement (IFA) — corporate life insurance and financing strategies for business owners
Risk Management
Life doesn’t always go as planned. An unexpected illness, accident, loss of income, or family emergency can have a significant impact on your financial security. Risk management is about preparing for these uncertainties before they happen. I begin by reviewing your income, expenses, assets, debts, family responsibilities, and long-term goals to identify potential financial risks. From there, I help you explore insurance options that provide meaningful protection without unnecessary coverage. If you already have insurance in place, we can review whether it still meets your changing needs.
- Family and child protection
- Insurance planning for business owners
- Income protection if you can’t work
- Mortgage and debt protection
- Insured Retirement Plan (IRP)
- Existing policy review and management
- Life · critical illness · disability income · travel insurance
- Group health and dental benefits for employees
