Lawyers, Medical Professionals, Accountants, and Commercial Real Estate Agents

Our team works with incorporated professionals due to the added levels of complexity that are required to effectively manage the balance between high incomes and tax minimization. Our firm, RBC Dominion Securities, enables us to offer a wide range of services meant to solve and enhance the investment abilities of complex clientele.

Below are the strategies we implement in order to maximize after-tax returns and increase your personal & business deductions.

1. Tax Appropriate Investing

Tax appropriate investing means placing each investment deliberately and strategically in the account where the returns remain in your hands.

We allocate the appropriate weightings of your overall portfolio into each account type (Corp, RRSP/IPP, TFSA, Personal Non-Reg) to take advantage of their strengths.

Through proper management we can help maximize your Capital Dividend Account and increase RDTOH balances for further tax benefits for a time when you withdraw funds.  

2. Individual Pension Plans (IPP)

In 2025, an incorporated professional age 55 could contribute up to $47,000 annually to an Individual Pension Plan - 45% more than the $32,490 RRSP limit.

For those over 40 and incorporated, an IPP could be your secret weapon. Imagine an RRSP with higher contribution limits, corporate tax deductions, superior tax deferral, and flexibility that traditional retirement accounts simply don't offer.

We handle the set-up, administration, and management, turning a complex pension vehicle into your most powerful wealth-building tool.

3. Team Coordination

Your Accountants - Too often, tax implications are discovered after decisions are made. We change that by preparing a comprehensive tax package each year that includes all personal and corporate tax information relating to your investments, eliminating guesswork and delays.

Private Banking - We partner with Private Banking to ensure that you receive professional management of your day-to-day banking needs in addition to your investments. We work with them behind the scenes to coordinate on your capital loans, money transfers, mortgages, and US accounts.

For those that qualify, we partner with Private Banking to utilize the Smith Maneuver to further increase your taxable deductions.

4. Estate & Trust Planning

With proper planning in place, it’s not unlikely that you will end up with a net worth that outlives your needs, that’s where we can look to the next generation.

Our internal lawyers will join us for a complimentary Will & Estate Consultation to ensure nothing has been overlooked. Together, we examine strategies like multiple wills, tax reduction techniques, and the common pitfalls that unnecessarily complicate estates.

Our partners at Royal Trust will join us to explain the corporate executor services that we have available, and the different capacities in which they can act to support you and your executors.