Financial and Tax Planning

We provide a comprehensive financial planning service to protect your legacy. Our team recognizes the crucial role of financial planning in wealth preservation and growth. By working with us. you can optimize your tax obligations and invest with confidence. 

Financial and Tax Planning

Business loan

Tax saving Strategies

Corporate Own Real Estate

Group Benefits

Corporate Wealth Transfer

Family Trust

Wealth Planning

All-round family financial planning

Government Benefits

Retirement Planning

Estate Planning

Risk Management

Investment

Tax-free saving account(TFSA)

Registered Retirement Saving Plan(RRSP)

Registered Education Saving Plan(RESP)

Fixed-income

Segregated Fund / Mutual Fund

Real Estate Fund

Investment Loan

Property Tax

BC Property Tax Deferment Program

The BC Property Tax Deferment Program is a government-funded program that offers benefits to homeowners in British Columbia who are 55 years or older, widowed, disabled, or have children under the age of 18 in the household. The government of BC provides low-interest loans based on individual or family circumstances. Applicants can defer their property taxes indefinitely until the home is sold or until the homeowner is willing to repay the government.

IFA

Corporate Wealth Transfer-IFA(Immediate Financing Arrangement)

Immediate Financing Arrangement(IFA) is using specific insurance policies as collateral to obtain a bank loan, the loan funds are injected into a company or individual for production, operation, or other investments to generate higher returns.

1. Growth inside the policy, within prescribed limits, is not subject to income tax.

2.The accumulated cash value can be accessed in the future.

3.The death benefit is payable tax-free to the corporation as named beneficiary.

4.The capital dividend account receives a credit equal to the death benefit less the adjusted cost basis. This credit allows the corporation to issue a tax-free capital dividend to shareholders. 

Property Tax

BC Property Tax Deferment Program

The BC Property Tax Deferment Program is a government-funded program that offers benefits to homeowners in British Columbia who are 55 years or older, widowed, disabled, or have children under the age of 18 in the household. The government of BC provides low-interest loans based on individual or family circumstances. Applicants can defer their property taxes indefinitely until the home is sold or until the homeowner is willing to repay the government.

IFA

Corporate Wealth Transfer-IFA(Immediate Financing Arrangement)

Immediate Financing Arrangement(IFA) is using specific insurance policies as collateral to obtain a bank loan, the loan funds are injected into a company or individual for production, operation, or other investments to generate higher returns.

  1. 1. Growth inside the policy, within prescribed limits, is not subject to income tax.
  2. 2. The accumulated cash value can be accessed in the future.
  3. 3. The death benefit is payable tax-free to the corporation as named beneficiary.
  4. 4. The capital dividend account receives a credit equal to the death benefit less the adjusted cost basis. This credit allows the corporation to issue a tax-free capital dividend to shareholders.

HSA

HSA (Health Spending Account)

  1. 1. Pay-as-you-go extended health benefits plans designed for small businesses
  2. 2. CRA Approved:Canada Revenue Agency approved to provide medical, dental and vision benefits in a tax efficient manner
  3. 3. Tax Deductible:A corporation can write off 100% of the costs related to its HSA
  4. 4. Flexible:Employees can choose how, when, and where to spend their 100% tax free allowance
  5. 5. Digital:24/7 access to submit claims and view the status via app on iOS & Android

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