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Free Ebook

The Ultimate Guide to Securing Your Legacy

Most incorporated professionals overpay CRA by six figures over their career without realizing it. This guide breaks down the strategies we use with clients to reduce corporate tax, create tax-free retirement income, and transfer wealth without triggering a massive estate bill.

Tax-efficient strategies for incorporated professionals

How corporate-owned life insurance protects your family

Estate planning frameworks that minimize taxes on death

Real case studies from Canadian business owners

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Free Tools

Run Your Own Numbers

Three free calculators built for incorporated business owners. No forms, no fluff — just the math on what your corporation's cash is really costing you.

Corporate Tax Leak Calculator

How much of your retained earnings quietly leaks to tax each year? Straight Ontario grind math on the cash sitting in your corporation.

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Retained Earnings Opportunity Calculator

What idle corporate cash costs you in annual tax and lost growth — and what putting it to work could look like over time.

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Estate Tax Exposure Calculator

Five inputs show the layers of tax your estate faces at death — and how a Corporate Wealth Shield™ structure changes the outcome.

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Case Studies

Real Results, Real Business

Proven strategies we've used to help business owners save six figures, protect their estates, and secure tax-free retirement income.

How Strategic Life Insurance Saved a Consultant from a Massive CRA Penalty

See how we helped an independent consultant structure a permanent life insurance policy within his corporation, enabling him to continue building wealth without affecting his passive income limit.

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How One Business Owner Secured $50K in Tax-Free Income After a Health Crisis

After a sudden health crisis, we implemented a "Triple Play Strategy," combining corporate-owned life insurance, a holding company, & family trust to secure a business owner's company, retirement, & family's future.

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Avoiding the Final Tax Trap: Turning a Massive Liability into a Legacy

We helped a business owner protect his 7-figure portfolio from high taxes upon his death. He secured immediate business capital, cleared debts tax-free, and passed wealth to his family without selling any assets.

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Client Stories

What Business Owners Are Saying

Real results from real business owners and professionals across Canada.

★ ★ ★ ★ ★

"Coming from the financial space I needed advisors I can trust. Independent brokers have access to the most complete suite of products but I also wanted someone who can deal with more complex tax planning scenarios. Dundas has it all."

Sunny Guo

Director

★ ★ ★ ★ ★

"Working with the team was a great experience. Transparent and genuine. They spent the time to understand my needs, put them first and then worked to provide options that were best suitable. I've recommended my family and friends."

Irfhan Rahemtulla

Sales Executive

★ ★ ★ ★ ★

"Fantastic experience with Dundas. The service provided was timely and saved me a significant amount on insurance. The whole process was seamless and professional. Highly recommend to any business owner."

Jeremy Kolodziej

Lawyer

Common Questions

Frequently Asked Questions

We use tax-sheltered strategies within the Canadian Income Tax Act — corporate-owned life insurance (COLI), insured retirement programs (IRPs), and capital dividend accounts (CDAs) — to move after-tax corporate dollars into tax-sheltered vehicles. These aren't loopholes. They're provisions built into the tax code that most accountants know exist but aren't equipped to implement. We handle the implementation and coordinate with your CPA to ensure full compliance.

Business owners, physicians, lawyers, IT consultants, and other high-income professionals with $200K+ in annual income or $500K+ in investable assets. If you're hitting passive income limits or have retained earnings sitting in your corp, you're likely a fit.

Your CPA does compliance. Your advisor manages investments. Neither specializes in advanced tax-optimization strategies — and they rarely talk to each other. We sit between them so your whole team works from one strategy. We don't replace your CPA. We make them more effective.

The Gap Analysis is free — no commitment. If you move forward, our compensation comes from the financial institutions, not from you. No planning fee. We only earn when you implement, which means if it doesn't save you money, we don't recommend it.

Let's Talk About Your Corporation?

Book your free Gap Analysis. In 15 minutes, we'll review your corporate structure, identify where you're losing money to unnecessary tax, and tell you honestly whether we can help.

Book Your Free Gap Analysis

Free. No commitment. Takes 15 minutes.

Wealth Architecture
The Owner's Knowledge Hub

The Ultimate Guide to Securing Your Legacy