Expert Tax Planning Made Simple
Plan your taxes smartly and keep more of what you earn. Our experts help you create a personalized tax strategy that fits your income, investments, and future goals. We identify deductions, optimize credits, and plan ahead for retirement and capital gains so you stay compliant and save more every year.
Trusted Tax Advisors in Canada
We help Canadians plan their taxes efficiently and stay prepared year-round. With clear guidance and tailored strategies, you can manage your taxes confidently and make the most of every tax season.
Tax Planning and Optimization for Individuals
Strategic tax planning for professionals, executives, retirees, and families. We create personalised strategies for RRSPs, TFSAs, income splitting, capital gains timing, and retirement income. Serving Etobicoke, Toronto, the GTA, and clients across Canada.
What Our Tax Planning Service Includes
- Comprehensive income and deduction review with a personalised plan
- RRSP and TFSA contribution modelling and withdrawal strategy
- Spousal RRSPs and family income splitting strategies
- Capital gains timing, tax loss harvesting, and investment efficiency
- Retirement income planning, CPP/OAS timing, and OAS clawback mitigation
- Advice on employee stock options, RSUs, and deferred compensation
How It Works
- Book a consultation and upload documents securely.
- We review returns, investments, and future goals.
- We design a tailored plan for RRSP, TFSA, and investments.
- We implement agreed income-splitting and timing steps.
- We review annually and adjust for life or tax-law changes.
Who We Help
- High-income earners aiming to reduce annual tax
- Families using spousal RRSPs and income splitting
- Investors managing capital gains and dividend planning
- Pre-retirees optimising RRSP withdrawals and pension income
- Employees with stock options, RSUs, or deferred compensation
Documents Checklist
- Previous 2 years of tax returns and Notices of Assessment
- Investment and brokerage statements, capital gains summaries
- RRSP, TFSA and pension contribution records
- T4, T4A, T5, stock option paperwork
- Estate, trust, or other income records if applicable
Frequently Asked Questions
What is tax planning and why is it important?
Tax planning aligns income, investments, and timing to reduce lifetime tax while staying CRA compliant.
How can I reduce capital gains tax?
We advise on timing, loss harvesting, and account selection to minimise taxable capital gains.
Can you optimise RRSP and TFSA contributions?
Yes. We model scenarios to recommend the ideal RRSP-TFSA balance for your income and retirement timing.
Do you help with pension and retirement income planning?
Yes. We coordinate RRSP withdrawals, CPP/OAS timing, and RRIF conversions to reduce taxes in retirement.
Can you help with income splitting for families?
Yes. We use spousal RRSPs and legal income-sharing tools to reduce household tax efficiently.
Do you provide ongoing planning and reviews?
Yes. We offer year-round monitoring and annual reviews to update your plan when income or laws change.
Recent Client Reviews
Libra Accountax Partners modelled my RRSP withdrawals to reduce OAS clawback, the savings were immediate.
Clear RRSP and TFSA guidance, they optimised my yearly contributions for better tax savings.
Professional capital gains timing advice and loss-harvesting, reduced my taxable gains for the year.
We used spousal RRSPs and income-splitting suggestions, our family tax liability dropped significantly.
Good advice on timing stock option exercises, prevented higher tax on the sale.
Annual tax review found missed credits and improved my investment tax efficiency, highly recommended.
