Tax planning in Toronto and the GTA
Practical planning to lower your tax bill this year and every year after.
How we help
Good tax planning happens before year-end, not after. We look at your income, your business and your goals, then build a plan that reduces tax legally and keeps you ready for what comes next.
For business owners, planning often covers owner compensation, corporate structure, holding companies and the lifetime capital gains exemption on qualified small business shares. For individuals, it means using RRSPs, TFSAs, FHSAs and other tools in the right order.
We revisit the plan every year, because tax law, income and goals all change.
What is included
- Salary and dividend strategy
- RRSP, TFSA and FHSA optimization
- Income splitting and TOSI review
- Corporate structure and holding company planning
- Capital gains and exit planning
- Year-end tax projections
Who this is for
- Business owners
- High-income earners
- Families planning ahead
- Owners preparing to sell
How it works
A simple process from first call to finished work.
- 1
Free consultation
Tell us about your situation by phone, video or the contact form. We listen first and ask the right questions.
- 2
A clear plan and quote
You get a plain-language scope of work and a fee quote before anything starts, so there are no surprises.
- 3
We do the work
We prepare, file and reconcile everything, and you review a clear summary before it goes to the CRA.
- 4
Ongoing support
Questions in March or September are welcome. We stay available all year, not just at tax time.
Tax planning near you
We serve clients in these cities and across Canada.
Related services
Personal income tax
T1 tax returns for individuals, families, students, seniors and newcomers, filed accurately and on time.
Learn more
Corporate tax
T2 corporate returns and year-end tax planning for Canadian-controlled private corporations.
Learn more
Self-employed tax
Tax returns and expense tracking for freelancers, contractors, gig workers and sole proprietors.
Learn more
Tax planning FAQ
Answers to common questions in Ontario.
When should I start tax planning?
Ideally several months before your year-end. Many strategies, such as RRSP contributions, salary and dividend decisions or equipment purchases, need to happen before the period closes.
Is tax planning only for high earners?
No. Even modest incomes benefit from using registered accounts, claiming the right credits and structuring self-employment properly. The savings scale with your situation.
What is TOSI?
Tax on split income is a rule that taxes certain dividends and other income paid to family members at the top rate unless an exclusion applies. It matters when you pay family members through a private corporation.
How much do tax planning services cost?
Fees depend on the scope and complexity of your situation. After a free consultation we give you a clear quote before any work begins.
Do you provide tax planning outside Toronto?
Yes. We serve Toronto, Mississauga, Brampton, Vaughan, Markham, Oakville and the wider GTA, and we work with clients across Canada by phone, video and secure online document sharing. Call (647) 527-4970 to get started.
Let's talk accounting
We reply within one business day.