Free Diagnostic Tools for Business Owners
Free calculators and diagnostics for incorporated business owners. Tax efficiency score, SBD grind calculator, IRR calculator, insurance quoter. Quebec & Ontario.
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.These tools are designed to give you immediate insight into your corporate structure and tax situation. Use them to identify what matters most for your specific situation. No meeting required.
Answer 20 questions about your corporate structure, investments, and strategy. Get an instant score with a structure gap analysis and priority opportunities.
Takes about 5 minutes. No meeting needed.
Enter your passive investment income and active business income to see exactly how the SBD grind affects your corporate tax rate. Shows the real cost per dollar of passive income above $50,000.
Interactive calculator with real-time results.
Calculate the true after-tax internal rate of return on your corporate investments. Uses actual tax paid from your T2 return to show real performance, not pre-tax illusions.
Requires your T2 return data. How to find the numbers.
12 questions that help you identify what matters most for your corporation and family over the long term. Covers passive income thresholds, HoldCo structure, estate strategy, and extraction timing.
Takes about 5 minutes.
Get indicative quotes for term and permanent life insurance. Compare across multiple insurers. For both personal and corporate-owned policies.
Indicative quotes only. Formal illustrations require a consultation.
Establish your time horizon, risk tolerance, and investment objectives. Required for account opening, and useful for understanding your own preferences before making allocation decisions.
Standard KYC questionnaire for mutual fund accounts.
Not sure where to start?
If you have corporate surplus and aren't sure what your options are, the Tax Efficiency Score is the best starting point. It takes 5 minutes and gives you immediate insight into where the biggest opportunities are.
If you already know your structure but want to see the numbers, the SBD Grind Calculator shows the real cost of passive income on your tax rate.
If you'd rather talk through your situation directly, request a structure review.
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.
