Скачать или смотреть 3 Ways to Use a Holding Company to Reduce Retirement Taxes

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If you’re a Canadian business owner, your holding company can be one of the most powerful tools you have for building a tax-efficient retirement income plan. Most owners think tax planning ends after selling the business—but the truth is, a holdco can help you smooth income, reduce personal taxes, avoid OAS clawbacks, and even transfer wealth to your family more efficiently.

In this video, I’ll walk you through three practical ways to use your holding company in retirement:

✔ How to pay yourself strategically with dividends to control your tax bracket
✔ How to defer personal tax by investing inside the corporation
✔ How to use corporate-owned life insurance to reduce estate tax and create tax-free transfers

These aren’t theoretical strategies—they’re real approaches that can save you six figures in tax over your lifetime if done properly. Whether you’ve sold your operating company already or are planning to retire in the next few years, your holdco can be much more than a “parking lot” for cash.

By understanding how to coordinate your holding company with your RRSPs, TFSAs, CPP, OAS, and estate planning, you can create a more flexible retirement income strategy—one that puts you in control and helps your wealth last longer.

If you’re a Canadian business owner nearing retirement and want to make sure you’re not paying more tax than you should, click the link above to book a call. We’ll help you align your corporate and personal planning so you can retire with clarity and confidence.



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