Tax Planning

At Advice First, tax planning is a vital part of our Life Centered Planning process. The way you

handle taxes directly impacts how much of your hard-earned money you keep, and how much

you can put toward living the life you want. From saving and investing to retirement tax planning

and wealth transfer, taxes touch every stage of your financial journey.

With the combined expertise of our CPA and CFP professionals, we guide clients through the

complexities of tax law. Our goal is simple: to minimise tax liabilities, optimise cash flow, and

ensure more of your money is working toward your priorities instead of being lost to

unnecessary taxes.

Proactive Tax Planning Strategies We Use

Effective tax planning services go far beyond cutting this year’s tax bill. It’s about creating a

long-term strategy that aligns with your values and life goals. At Advice First, we can help you

with:

● Structuring Retirement Withdrawals: Plan retirement withdrawals to minimise taxes

and maximise long-term income.

● Timing Capital Gains: Schedule capital gains to reduce liabilities and improve tax

efficiency.

● Integrating Charitable Giving: Use charitable giving strategies to align generosity with

tax benefits.

● Wealth Transfer and Legacy Planning: Create wealth transfer plans that protect your

legacy while supporting your loved ones.

The Benefits of Life-Centered Tax Planning

Canadians are among the most heavily taxed citizens in the world, so it’s our right and privilege

to ensure that we take advantage of any tax-saving opportunities on the road to getting the best

Return on Life possible.

Whether it’s simply taking advantage of RRSPs, RESPs, RRIFs, TFSAs or RDSPs, or a more

advanced strategy, our team is equipped with the knowledge and expertise to build a

customized tax plan for you or your business. We work together with other professionals to

ensure it is implemented correctly.

By approaching tax planning through a life-centered lens, we help clients maximize

opportunities, reduce stress around tax season, and ultimately create more freedom to focus on

what matters most in their lives.

Need help reducing your lifetime tax liability and preserving more of your wealth?