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