Greg Rozdeba

Retained earnings in your corporation in 2026? Here are your 6 options:

1. Invest in securities
2. Real estate
3. Pay down debt
4. Reinvest in the business
5. IPP
6. Corporate owned life insurance

The passive income rules are real — earning more than $50K/year in passive income inside your corp claws back your small business deduction. Most people don't see it coming until year-end.

The right strategy is almost always a combination, not a single play.

Full video → https://www.youtube.com/watch?v=eCRDEbTf0Fs
Book a call → https://dundaswealth.ca/apply

"Corporate life insurance is just a tax dodge."

That's the most common pushback — and it's wrong.

The CRA has specific rules around how corporate policies qualify for tax-sheltered growth. Get the structure wrong and gains are taxed every year. There's also a piece most advisors don't mention: the cash value can be used as collateral for a corporate loan — capital access during your lifetime, no tax event.

Full video → https://www.youtube.com/watch?v=eCRDEbTf0Fs
Book a call → https://dundaswealth.ca/apply

$800,000 in retained earnings in a consulting firm in Mississauga.

Pull it out as a dividend in Ontario today — at the top marginal rate (~39%) — and roughly $312,000 goes to the CRA.

Corporate owned life insurance structures the same capital differently. Tax-sheltered growth. Death benefit flows through the Capital Dividend Account to the family tax-free. Built directly into the Income Tax Act.

Same money. Different outcome.

Full video → https://www.youtube.com/watch?v=eCRDEbTf0Fs
Book a call → https://dundaswealth.ca/apply

Your accountant hasn't mentioned corporate life insurance because it's outside of their training, their licensing, and their liability coverage.

That's not negligence. That's how professional advice is structured in Canada — three separate licensing streams, three separate liability zones.

The problem isn't the accountant. The problem is knowing who covers what.

Full video → https://www.youtube.com/watch?v=eCRDEbTf0Fs
Book a call → https://dundaswealth.ca/apply

The Capital Dividend Account is one of the most powerful tax tools available to Canadian business owners. It's also one of the most misused.

Overdrawing the account. Missing the election deadline. No COLI strategy in place before a policy pays out. Any one of these triggers a 60% penalty tax on the excess — on a $500,000 payout, that's a $300,000 mistake.

Most accountants flag it after the fact. We planned for it before.

Book a free strategy call at dundaswealth.ca/apply

Corporate-owned life insurance isn't for everyone. Here's who it actually makes sense for.

Incorporated professionals with $250,000+ in retained earnings. Business owners looking for a tax-efficient way to transfer wealth. High-income Canadians who've maxed their RRSP and TFSA and need another tax-sheltered vehicle.

If you're paying significant corporate tax and have no strategy for getting retained earnings out efficiently — this is the conversation worth having.

Book a free strategy call at dundaswealth.ca/apply

Most Canadians spend decades building a retirement plan. Few think about what life insurance looks like once they get there.

Your kids are grown. The mortgage is paid. So do you still need coverage?

It depends. If you have a spouse who relies on your pension or CPP, an estate with capital gains exposure, or wealth you want to transfer tax-efficiently, coverage still plays a role. It just looks different than a family protection policy.

This is where permanent life insurance, final expense coverage, and estate planning strategies come into play.

Retirement isn't the finish line. It's when the strategy changes.

Get your free quote at dundaslife.com

When you die, CRA treats your investment property as sold at fair market value. The capital gains bill lands before your family sees a dollar.

Corporate-owned life insurance fixes that. The death benefit flows through the Capital Dividend Account — tax-free — and covers the tax exposure on your real estate.

Your family keeps the property. CRA gets nothing extra.

Book a free strategy call at dundaswealth.ca/apply