Services · Tax Planning and Strategy
Tax Planning and Strategy
Year-round planning to manage liability before filing season, not after.
Plan before the year ends, not after
Most tax savings happen in the months before December 31 — once the calendar year closes, options narrow. Year-round planning means you make every major financial decision with the after-tax outcome in mind.
What’s included
- Mid-year and year-end planning sessions
- Quarterly tax-instalment calculations and CRA / Revenu Québec payment reminders
- Sole-proprietor vs. CCPC analysis (with break-even on tax deferral and CPP)
- Salary-vs.-dividend modelling for incorporated owner-managers
- RRSP, TFSA, FHSA, RESP, and RDSP contribution-room planning
- Capital loss harvesting and superficial-loss rule navigation
- Employee stock option planning (s. 110(1)(d) deduction, exercise timing, security-option benefit deferral)
- Lifetime Capital Gains Exemption planning for QSBC shares
- Charitable strategy — donations of appreciated securities (zero capital-gains inclusion), donor-advised funds, and gift planning
- Income splitting through prescribed-rate spousal loans, family trusts, and CPP pension sharing — with full TOSI (Tax on Split Income) analysis
Who it’s for
People with income or financial complexity that creates real choices — incorporated business owners, professionals, equity-comp earners, real-estate investors, and households with significant investment income.
Frequently asked
How is planning different from preparation?
Preparation is reactive — we report what already happened. Planning is proactive — we model decisions before you make them so you can choose the option with the best after-tax outcome.
When should I start working with a planner?
Before any major financial decision — selling a business and claiming the Lifetime Capital Gains Exemption, exercising employee stock options, switching from sole prop to incorporated, large charitable gifts, or a job change. Mid-year (June–September) is the sweet spot for year-end positioning.
Do you give investment advice?
We don't manage portfolios, but we coordinate with your advisor on tax-aware decisions like asset location across RRSP/TFSA/FHSA/non-registered accounts, capital loss harvesting, in-kind contributions, and triggering gains in low-income years.
What does an engagement look like?
Typically two scheduled sessions per year (mid-year and year-end), plus on-demand consultation for material decisions. All recommendations are documented in your portal.
Ready to work with us?
THD Tax is invite-only to keep client work private and quality high. Existing clients sign in to the secure portal; new prospects request an invitation and we'll be in touch.