Retirement Planning

Go beyond RRSPs and TFSAs. We create tax-free retirement income through your corporate structure — not limited by contribution caps.

Book Your Free Gap Analysis See How It Works

Free 30-Min Consultation

No Obligation

CPA-Coordinated

What Is It?

Retirement That Goes Beyond RRSPs & TFSAs

Most Canadians are told to max out their RRSP, pick a target-date fund, and hope for the best. But if you're a business owner or incorporated professional, that cookie-cutter advice can cost you hundreds of thousands in retirement income.

At Dundas Wealth, we use corporate-owned whole life insurance policies as tax-sheltered investment vehicles — creating predictable, tax-free retirement income that isn't limited by RRSP or TFSA contribution caps.

Key Strategies We Use

Why It Matters

What Changes When You Plan for Retirement

Here's what happens when your retirement strategy is built by specialists — not generalists.

Tax-Free Asset Growth

Grow your assets tax-free within structured corporate-owned policies — no contribution limits like RRSPs or TFSAs.

Tax-Free Retirement Income

Access retirement funds through collateralized policy loans without triggering significant tax liabilities.

Wealth Transfer to Heirs

Preserve your estate and maximize wealth transfer to your beneficiaries — your heirs receive the death benefit tax-free.

How It Works

Three Steps to a Tax-Free Retirement

A clear, no-pressure process from first call to implementation.

Free — 30 Minutes

Gap Analysis

We review your corporate structure, tax situation, and goals — and show you exactly where you're losing money to unnecessary tax.

Long-Term Growth

Strategy Development

We model retirement income scenarios using corporate-owned policies, IRPs, and existing registered accounts — coordinated with your CPA.

Ongoing Partnership

Execution & Optimization

We implement your plan, manage carrier relationships, and review annually as tax law and your situation evolve.

Why Us

Why Choose Dundas Wealth?

The Dundas Wealth Advantage

Tax-free retirement income through corporate-owned policies

No contribution caps — grow wealth beyond RRSP and TFSA limits

Coordinated with your CPA, lawyer, and existing financial plan

Stable, predictable growth — not dependent on market performance

Death benefit passes tax-free to your heirs — built-in estate plan

Traditional Retirement Planning

Retirement income fully taxable when withdrawn from RRSPs

RRSP and TFSA contribution limits cap your savings potential

Advisors rarely coordinate with your CPA or corporate structure

Market-dependent returns with no downside protection

Estate left exposed to probate and taxes on death

Book Your Free Gap Analysis

Free. No commitment. Takes 30 minutes.

Is This Right for You?

Built for Business Owners Like You

Our retirement planning strategies are ideal for incorporated professionals and business owners who meet the following criteria:

Incorporated with $200K+ in annual income or retained earnings

Maxed out RRSP and TFSA contribution room

Have corporate surplus sitting in low-yield or tax-inefficient investments

Looking for retirement income strategies beyond traditional registered accounts

See It In Action

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, and a family trust to secure a business owner's company, retirement, and family's future.

Read the Case Study

Let's Talk About Your Retirement

Book your free Gap Analysis. In 30 minutes, we'll review your corporate structure, identify where you're losing money to unnecessary tax, and tell you honestly whether we can help.