STOP Overpaying: 6 Tax Strategies Wealthy Canadians Use

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Most Canadians assume their taxes are set in stone—that if you earn more, you simply pay more. But the truth is, wealthy Canadians legally pay less tax not by cheating the system, but by understanding how to structure their income, investments, and estate plans differently.

In this video, I’ll break down the six proven tax strategies that wealthy families use to reduce their tax bills, protect their wealth, and pass more to the next generation. These are the same strategies I help my clients at CG Wealth Management use to design smarter, more efficient financial plans.

Here’s what we’ll cover:

Income splitting through spousal loans that shift investment income into lower brackets

Maximizing corporate structures and using holding companies to compound wealth at lower tax rates

Family trusts that spread income, protect assets, and provide intergenerational planning flexibility

Charitable giving that eliminates capital gains tax while maximizing donation credits

Tax-efficient retirement withdrawals that prevent OAS clawbacks and reduce forced RRIF withdrawals

Favouring capital gains and dividends over salary to benefit from lower tax treatment

The wealthy don’t pay less tax because of loopholes—they pay less because they structure, time, and plan their wealth differently. And here’s the important part: these strategies aren’t just for billionaires. If you own a business, have a seven-figure portfolio, or are planning your retirement, you can take advantage of many of these same tools.

If you’d like a second opinion on your own tax strategy, book a time with me using the link in the description.

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