Guides and Articles for Incorporated Business Owners | Dundas Wealth
Guides & Articles

Planning Guides for Incorporated Owners

Each guide explains one planning idea: how it works, the trade-offs, who it doesn't suit, and a calculator to run your own numbers.

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Corporate-Owned Life Insurance: Where It Fits and Where It Doesn't

Most of the planning on this site uses one tool. This guide covers how it works, how it's taxed, what it costs you in flexibility, and the owners who should skip it.

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Corporate Tax

The Capital Dividend Account: What It Tracks and Why It Matters

The account that lets a private corporation pay certain money out tax-free.

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Retirement

Individual Pension Plans for Incorporated Owners

A pension your corporation funds for you. When it beats an RRSP, and when it doesn't.

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Corporate Tax

Passive Income and the Small Business Deduction

What investment income inside your corporation really costs, and the $50,000 line.

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Estate

Estate Liquidity: How Will Your Family Pay the Tax Bill?

The tax your estate owes on your corporation, and the four ways to fund it.

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Insurance

Accessing Policy Cash Value: Withdrawals and Loans

Three ways to use the money in a policy while you're alive, and the risks of each.

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Giving

Charitable Giving Through Your Corporation

Giving cash, securities or insurance through your corporation, and what each does to tax.

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Articles

Articles

Longer reads on the questions owners ask most: how to pay yourself, where retained earnings should live, and how to plan an exit.

How to Buy Real Estate Through Your CorporationReal Estate

How to Buy Real Estate Through Your Corporation

Use one corporate dollar twice: the Immediate Financing Arrangement, the CDA, and the right Opco/Holdco structure.

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Salary vs. Dividends for Incorporated Business OwnersTax Planning

Salary vs. Dividends for Incorporated Business Owners

RRSP room, CPP, the dividend tax credit, and the factors that decide how you should pay yourself.

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The 4 Ds of Tax PlanningTax Planning

The 4 Ds of Tax Planning

Deduct, Divide, Defer, Decrease — a CPA's framework for every corporate tax decision.

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Why Most Owners Can't Sell Their BusinessExit Planning

Why Most Owners Can't Sell Their Business

The exit math most owners never run — and how to plan a real one.

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Holding Company + Family TrustCorporate Structure

Holding Company + Family Trust

Where your retained earnings should actually live — and the passive-income trap.

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Calculators

Run your own numbers

Four free calculators. No sign-up needed to see your results.

Corporate Tax Leak Calculator Retained Earnings Opportunity Calculator Estate Tax Exposure Calculator IPP vs RRSP Calculator