Over the past five decades we’ve witnessed virtually uncontrolled over-spending by governments worldwide, and this has consequences. Looking forward, governments face rising interest payments on outstanding debt, a steadily shrinking workforce and rapidly increasing public healthcare costs.

These and other factors make widespread tax increases overwhelmingly probable. Income tax minimization before & after retirement, and after death, is more important ever and is an essential part of the Integrated Wealth Management process.

Based on each client’s unique circumstances we integrate various provisions of The Income Tax Act to significantly reduce clients’ household tax burden.