Corporate Investing Articles & Explainers | iAssure

Corporate Investing

• Corporate Investing in Canada: The Hidden Tax Costs Most Business Owners Miss

  Complete guide to corporate investing in Canada. Learn about hidden tax costs, SBD grind, passive income rules, and dynasty-first strategies.

• The SBD "Grind" & Your Corporate Portfolio

  How the Small Business Deduction reduction affects your investment strategy and what you can do about it.

• Bank vs. Independent Providers: Choosing Your Corporate Investment Platform

  Understanding the differences between bank platforms and independent providers for corporate investment accounts.

• Corporate Class Funds and the Powerful Magic of Tiny Changes

  How structural tax efficiency can reduce tax drag and improve long-term compounding for corporate portfolios.

• The Fortress Strategy: Why Successful Families Use a HoldCo/OpCo Structure

  How Holding Company and Operating Company structures protect assets, defer taxes, and enable multi-generational wealth building.

• Corporate Investing vs. Personal: When to Invest in Each

  Understanding when to invest corporately vs. personally (RRSP, TFSA), and how to coordinate both strategies for maximum tax efficiency.

• The $50K Rule: How Passive Income Affects Your Small Business Deduction

  Understand the $50,000 passive income threshold that triggers the Small Business Deduction reduction, and learn strategies to manage this limit.

• How Investment Income Flows Through Your Corporation: Tax Deferral and After-Tax Results

  Visual guide showing how different types of investment income are taxed in a corporation and flow through to shareholders.

• Tax Deferral Over 50 Years: How Capital Gains Compound Faster in Your Corporation

  See how $1,000,000 at 6% grows over 50 years with different income types. Understand why tax deferral creates significantly better long-term outcomes.

• The Hidden Long-Term Cost of How Most Incorporated Business Owners Invest Their Corporate Cash

  Discover the hidden structural costs that compound over decades. Learn why net benefit to shareholders matters more than returns alone.

• Currency Devaluation and How to Position Your Assets

  How currency devaluation affects Canadian business owners and what to do about it. Learn about factors driving currency changes and asset positioning strategies.

Tax-Efficient Strategies

• Taxation of Investment Income in Corporations: How Different Income Types Are Taxed

  How investment income is taxed in Canadian corporations. Learn about tax rates on interest, capital gains, dividends, foreign income, RDTOH refunds, and CDA credits.

• RDTOH & GRIP for Owner-Managed Corporations

  A deep dive into refundable tax mechanisms and how they impact your corporate tax strategy.

• CDA 101: The Capital Dividend Account Explained

  Understanding one of the most powerful tax-sheltering tools for Canadian corporations.

• How Investment Income Flows Through Your Corporation: Tax Deferral and After-Tax Results

  Visual guide showing how interest, eligible dividends, and capital gains are taxed and flow through to shareholders.

• Tax Deferral Over 50 Years: How Capital Gains Compound Faster in Your Corporation

  See how $1,000,000 at 6% grows over 50 years with different income types. Understand why tax deferral with capital gains creates better long-term outcomes.

• Corporate Life Insurance for Estate Transfer: Tax-Free Wealth Extraction Strategy

  Compare corporate-held life insurance to capital gains portfolios for estate transfer. See how life insurance creates tax-free wealth extraction through the CDA.

• Corporate Class Funds and the Powerful Magic of Tiny Changes

  How corporate class funds reduce tax drag and improve compounding through structural tax efficiency for corporate portfolios.

• The Fortress Strategy: Why Successful Families Use a HoldCo/OpCo Structure

  Moving beyond "running a business" to "managing a family office." Asset protection, tax deferral, and succession strategy through corporate structure.

• The Anchor of Legacy: Mastering the Estate Freeze

  How to pass the torch without getting burned by the tax bill. Lock in your tax liability at today's value and pass all future growth to the next generation.

• Tax Integration: How Corporate and Personal Taxes Connect

  Understand how Canada's tax integration system works, why corporate and personal tax rates are designed to be equivalent, and how dividend tax credits affect your total tax burden.

Insurance & Estate Strategies

• Corporate Life Insurance for Estate Transfer: Tax-Free Wealth Extraction Strategy

  Compare corporate-held life insurance to capital gains portfolios for estate transfer. See how life insurance creates tax-free wealth extraction through the CDA.

• Buy-Sell Agreement Funding: Death of a Partner

  How life insurance funds buy-sell agreements when a partner dies. Learn about corporate redemption, criss-cross purchase, and promissory note methods, plus tax implications through the Capital Dividend Account.

• Buy-Sell Agreement Funding: Disability of a Partner

  How disability insurance funds buy-sell agreements when a partner becomes disabled. Learn about disability definitions, elimination periods, payment methods, and tax implications.

• Key Person Insurance Canada: Protecting Your Business from the Loss of Critical People

  How life insurance protects your business when a critical employee or owner dies. Learn how to determine coverage amounts, tax considerations, and why key person insurance matters for small businesses.

• Personal vs Corporate-Owned Life Insurance: Choosing the Right Ownership Structure

  How to choose between personal and corporate ownership of life insurance. Learn about tax considerations, estate strategy, creditor protection, and when each structure makes sense.

• Group Benefits Small Business Canada: Insurance Plans for 2-10 Employees

  How to set up group insurance plans for businesses with 2-10 employees. Learn about eligibility, costs, coverage options, and why group benefits matter for small corporations.

• The Sovereign Shield: Life Insurance as a Corporate Asset Class

  Why the wealthiest families use permanent insurance for tax arbitrage. Learn how life insurance serves as a corporate asset class with tax-exempt growth.

• The Anchor of Legacy: Mastering the Estate Freeze

  How Estate Freezes stop the clock on capital gains tax, enable multi-generational wealth transfer, and avoid massive tax bills on death.

• The Fortress Strategy: Why Successful Families Use a HoldCo/OpCo Structure

  How Family Trusts and HoldCo/OpCo structures enable multi-generational wealth transfer and succession strategy.

Case Studies

Real examples of how we've helped business owners structure solutions for business protection, partnership agreements, and estate strategy.

• Partner Buy-Sell Agreement Funding Case Study

  How two cybersecurity company partners structured a buy-sell agreement funded by life insurance to protect over $10 million in business value.

• Business Loan Insurance Case Study

  How an independent insurance approach helped a business owner secure approximately 30% lower premiums for required corporate loan insurance during COVID-19.

• Corporate Estate Strategies with Whole Life Case Study

  How a business owner used participating whole life insurance to structure long-term corporate wealth transfer.

• Universal Life for Active Investors Case Study

  How an IT contractor used universal life insurance to tax-shelter corporate investments while maintaining active control over investment selection.

Note: All case studies are anonymized to protect client confidentiality. These are illustrative examples of process and approach, not guarantees of outcomes. Every situation is unique.