Services
Five pieces of the same plan
Coverage, corporate tax, investments, estate and retirement are one decision seen from five angles. Each page says what we read, what we assess, and the trade-off you are actually choosing between.
Corporate tax planning
How you pay yourself, what you leave in the corporation, and what the small business rate is worth to you in 2026. Ontario's blended combined small business rate is 11.7 per cent; the top personal rate is 53.53 per cent.
11.7%Corporate rate
53.53%Top personal rate
Insurance
Disability, critical illness and life coverage read against what you already hold through OMA Insurance or CDSPI, then sized to what your household actually spends.
Investments
Where the surplus goes once it exists: inside the corporation, in registered accounts, or personally. The order matters more than the product.
Estate planning
What happens to the corporation, the practice and the household if you are not there. Written down, with the tax on each step named.
Retirement
Turning a corporation and a set of registered accounts into an income. The order you draw in decides the tax, sometimes by six figures.
Not sure which one you need?
Most people are not. Send your details and the question that brought you here, and we will tell you which of the five it actually is.