Disclosure. I am a licensed Financial Security Advisor, Mutual Fund Representative, and Group Insurance & Annuity Plans Advisor. I am not a lawyer, tax lawyer, or accountant. I discuss taxes only as they relate to specific insurance, investment, and estate strategies; I do not provide general tax optimization or comprehensive financial planning. Content is educational only. Mutual funds offered through WhiteHaven Securities Inc. Insurance products offered through iAssure Inc. Coordinate decisions with your CPA, notary, or lawyer. See Disclaimer and Privacy.

Resources for CPAs | iAssure

Educational resources for CPAs working with incorporated business owners. Client-facing articles that explain investment structure concepts related to tax topics you regularly discuss.

Why this is important

  • Client-facing articles that explain investment structure concepts related to tax topics you discuss.
  • Positioned to support your tax advice, not replace it.
  • Focus on long-term projections and coordination between tax strategy and investment structure.

If this resonates, you might want to read more articles.

Summary

As a CPA, you handle tax compliance and strategy for your incorporated business owner clients. These resources explain investment structure concepts from the perspective of an investment advisor, focusing on how portfolio structure affects tax outcomes over time. Use these articles to help clients understand the investment side of topics you regularly discuss.

Resources for CPAs Working with Incorporated Business Owners

You are the tax professional. These resources support your advice by explaining investment structure concepts from the perspective of an investment advisor.

How we complement each other:

  • You handle: Tax compliance, tax strategy, tax calculations, tax advice
  • I handle: Investment portfolio structure, long-term projections, coordination with tax strategy

How to Use These Resources

These articles are designed to be shared directly with your clients. Each article:

  • Respects your expertise: Positions you as the tax professional and refers clients back to you for tax advice
  • Explains investment structure: Focuses on how portfolio structure affects tax outcomes over time
  • Provides long-term perspective: Shows projections and impact over decades, not just current year
  • Links to full articles: Clients can dive deeper if they want more detail
  • Encourages coordination: Emphasizes working together as a team

When to share: Use these articles when clients ask about investment structure related to tax topics you're discussing, such as:

  • SBD reduction and passive income thresholds
  • RDTOH and GRIP refundable tax mechanisms
  • Capital Dividend Account (CDA) strategies
  • Corporate vs. personal investing decisions
  • Estate strategy and wealth transfer

Client Resources Available

More resources coming soon. If you have a specific topic you'd like covered, please contact us.

Our Approach: Coordination, Not Competition

I work with CPAs, not against them. Here's how:

What I Do

  • Investment portfolio structure
  • Long-term projections and impact analysis
  • Coordination with tax strategy
  • Investment product selection (mutual funds, insurance)
  • Multi-decade wealth building strategies

What I Don't Do

  • Tax calculations or tax advice
  • Tax compliance or filing
  • Replace CPA relationships
  • Provide tax strategy without CPA coordination
  • Compete for tax advisory work

The goal: Clients get better outcomes when tax strategy (CPA) and investment structure (Investment Advisor) work together. These resources help facilitate that coordination.

Working Together

If you have clients who would benefit from coordinated investment structure strategy:

  • Refer clients: I respect your relationship and coordinate with you, not around you
  • Joint strategy: I can provide investment structure analysis that supports your tax strategy
  • Long-term projections: I can show how different investment structures affect tax outcomes over decades
  • Regular coordination: I keep CPAs informed and coordinate decisions
Contact to Discuss Referrals

Important Notes

Regulatory:

  • Mutual funds are offered through WhiteHaven Securities Inc.
  • Insurance products and certain other services are provided through iAssure Inc.
  • These activities are neither the business nor the responsibility of WhiteHaven Securities Inc.

Professional Boundaries:

  • I am a Mutual Fund Dealing Representative (WhiteHaven Securities Inc.) and Financial Security Advisor (Québec)
  • I do not provide tax advice or tax strategy services
  • All tax advice should come from qualified CPAs
  • I coordinate with CPAs but do not replace their role

For more information, see our Disclaimer and Privacy Policy.

Full Disclosure.

This content is for information and education only. It explains general concepts that may apply to incorporated business owners, but it is not personalized tax, legal, or investment advice.

Tax Considerations:

  • Tax rules are complex and subject to change
  • Strategies and benefits depend on your specific circumstances, province, and business structure
  • Always consult with a qualified CPA before implementing any tax strategy
  • Provincial variations in rates and rules may apply (Québec vs. Ontario differences exist)
  • Past tax treatment does not guarantee future treatment

Investment Risk Disclosure:

  • Investing involves risk, including the possible loss of principal
  • There is no guarantee that any investment strategy will achieve its objectives
  • Investment values fluctuate with market conditions, and you may receive less than you originally invested
  • Tax efficiency is one factor; risk, fees, and total returns all matter
  • Past performance does not guarantee future results

Insurance Illustrations:

  • Insurance illustrations show projected values based on assumptions that may not be guaranteed
  • Actual results will vary based on factors including interest rates, mortality experience, and expenses
  • Non-guaranteed elements (such as dividends or credited interest rates) are not promises of future performance
  • Review both guaranteed and non-guaranteed projections with your advisor before making decisions

Content Accuracy:

  • We strive to ensure information is accurate and current, but laws and regulations change frequently
  • Information reflects our understanding at the time of publication and may not reflect subsequent changes
  • If you believe any content contains an error, please contact us

Regulatory:

  • Mutual funds are offered through WhiteHaven Securities Inc.
  • Insurance products and certain other services are provided through iAssure Inc., an independent firm in the insurance of persons and in the group insurance of persons
  • These activities are neither the business nor the responsibility of WhiteHaven Securities Inc.

Professional Advice:

  • This article is not a substitute for professional advice from your CPA, lawyer, or financial advisor
  • Work with your professional team to understand how these concepts apply to your specific situation
  • For personalized advice, a formal engagement and suitability review are required

See Disclaimer and Privacy Policy for details.

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