Institutional-grade tax arbitrage, wealth conversion, and portfolio engineering playbooks designed specifically for high-earning Canadian and U.S. self-directed investors.
Curated Playbooks
Each playbook contains step-by-step implementation rules, regulatory compliance warnings (CRA & IRS), numerical case studies, and actionable checklists.
Convert non-deductible mortgage interest into tax-deductible investment loan interest while simultaneously building an investment portfolio.
A legal, IRS-sanctioned method for high-income earners exceeding Roth IRA phase-out limits to fund 100% tax-free Roth accounts annually.
Which specific assets belong in your TFSA, RRSP, 401(k), and taxable accounts to minimize foreign withholding taxes and dividend tax drag.
How to maximize the 20% Canada Education Savings Grant (CESG) up to $7,200 lifetime, and 529-to-Roth IRA rollover strategies in the U.S.
Investing retained earnings inside a Canadian Controlled Private Corporation: managing the $50,000 passive income threshold and SBD clawback.
Supercharge retirement savings by funneling up to $46,000 in after-tax non-Roth 401(k) contributions into a Roth IRA or Roth 401(k) each year.
Strategically unwinding RRSPs between age 55 and 71 to eliminate OAS pension clawbacks, lower lifetime income taxes, and protect family estates.
Donating appreciated publicly traded shares and mutual fund units directly to charity to 100% eliminate capital gains tax while receiving a full deduction.
For independent contractors, freelance consultants, and single-owner LLCs: shelter up to $69,000+ per year in pre-tax or Roth dollars while protecting Backdoor Roth eligibility.
Bypass 9–18 months of public probate delays and 3%–7% statutory court fees, protect family privacy, and optimize Section 1014 basis step-up at death.
SECURE 2.0 RMD rules (ages 73/75), multi-year Roth conversion ladders in retirement gap years, and defending against the surviving spouse tax penalty.
