Your incorporated clients have retained earnings and growing estate exposure. We ensure the insurance conversation has your fingerprints on it.
The tax mechanics of corporate-owned life insurance, taught CPA to CPA with every provision on the slide: the CDA credit, ACB and NCPI erosion, the exempt test, and a six-trigger checklist for spotting a planning case in a client file. Recorded live September 9, 2026 with Frank Abate, CPA, CA, CFP, TEP.
1.0 technical hour · may be eligible for Verifiable CPD — members should consult the member regulations. Educational only; no product is discussed.
You already know these problems exist. The question is who implements the solution: a partner you trust, or someone your client found on a podcast.
Retained earnings are tax-deferred, not tax-free. The personal tax still waits on the way out, and the investment income earned in the meantime is taxed at about 50%.
Every $1 of passive income over $50,000 removes $5 of the federal business limit. Ontario didn't adopt the rule provincially; Alberta and BC did.
The deemed disposition puts the gain on one final return. The family inherits a bill that often can't be paid without selling assets.
Each of these has an established planning response. Here's what we bring to it.
Moves retained earnings into an exempt policy, where growth isn't taxed annually. At death the proceeds, less the policy's ACB, credit the CDA.
Moves part of the portfolio into an exempt policy, reducing adjusted aggregate investment income. Where that brings it under $50,000, the federal business limit is preserved.
Locks current value for tax. A funded buy-sell ensures clean transition. The death benefit funds the tax on the deemed disposition, so the family isn't forced to sell.
Your clients will eventually hear about corporate-owned insurance from someone. Make sure that conversation has your fingerprints on it.
We model, present, and implement. You review and approve. Your billing relationship stays untouched.
Every strategy gets your sign-off first. We never contact clients without your knowledge.
Become the CPA who brings proactive wealth strategies to the table — not just year-end compliance. Clients stay longer and refer more.
Referral compensation is available for qualified introductions, where your professional rules permit it. No fees, no licensing required.
Your involvement: one email and one review call. That's it.
When a client fits the profile, make a warm introduction. No insurance licensing or product knowledge required — we handle everything from there.
We build the strategy and present it to you first. Nothing reaches the client without your approval.
Policy setup, holding company coordination, CDA tracking, annual reviews. You get looped in at every T2-relevant step.
From business owners and incorporated professionals who've been through the process.
"Coming from the financial space I needed advisors I can trust. I wanted a broker that can deal with more complex tax planning scenarios. Dundas has it all — and they coordinate directly with my accountant on every strategy."
"Working with the team at Dundas was transparent and genuine. They spent the time to understand my needs, put them first, and explained every option clearly. My CPA was involved throughout — which gave me real confidence."
"Fantastic experience with Dundas. The service was timely and saved me significantly on insurance costs. As a lawyer, I needed advisors who could explain the tax mechanics clearly — and they delivered."
We work best with CPAs who check at least two of these boxes.
20-minute partnership call. We'll walk through how we've worked with other CPA firms and build a free Gap Analysis for your first client. Your review before anything reaches them.
Your client relationship is always yours.
