Every live hour we ran this fall for incorporated Canadian business owners — recorded in full, no edits, no highlight reel. Watch the one your kit points to, or watch them in order: the $50K Trap is where the rest begin.
The passive-income line at $50,000 and what it does to your small business deduction, the six places retained earnings can go, and the capital dividend account — the session every kit in this library points back to.
A defined-benefit pension your corporation sponsors for you. Who it fits (roughly 40+, on T4 salary, reliably profitable), who it doesn't, how the room is calculated from age and salary history — and the honest "stick with your RRSP" cases.
The four doors of tax-smart giving — cash, securities, the RRSP/RRIF, and insurance — each with a personal and a corporate version, and the December clock that decides which ones are still open this year.
The six places corporate cash can go, one honest trade-off each, and the $50K line stated without the overstatement — the live session behind the Corporate Cash Kit and the Six Places one-pager.
Every year-end move sorted into four boxes — dies Dec 31, follows your fiscal year-end, can wait, fake — then the December ones put in order. Capital dividend before losses; salary before pension; pick the dividend date before you declare.
Take These With You
Everything here is educational — not tax, legal or investment advice, and every figure is illustrative. The documents are written to be brought to your accountant, not to replace them: your accountant files what happened; these sessions are the decide-before-it-happens layer.
Watched one and want it on your own numbers?
Where your cash sits now, which of the options actually fit you, and whether anything is worth a closer look. If nothing needs doing, we'll say so in the first ten minutes — and if the tax or legal side needs a specialist, we'll make the introduction.
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