Income Splitting
Cancelled

If you were splitting your income
between yourself and your spouse
to reduce the amount of taxes
you pay,
regardless of how much work
your spouse did for the company,
you can’t do it any longer.

The government will tax
your spouse’s income
at the highest marginal tax rate,
regardless of the amount claimed.

Same for the kids,
if you were paying your kids
dividends from your company
to cover educational costs
or living expenses,
the government won’t allow it
and you’ll end up having to pay
the highest marginal tax rate.

Not maybe…

Not sometime in the future…

NOW!

This is really happening,
right now,
and is effective as of
January 1, 2018!

Ask how this will affect you, prevent a huge tax bill next year.

Punitive Taxes
on Corporate Passive Income

While the government has “softened”
the rules they originally proposed
in the Fall of 2017, the new restrictions
on the corporate passive income
announced as part of the 2018 budget
are still very detrimental
to you and your corporation.

Your ability to supplement your
current and your retirement lifestyles,
with passive income earned
from your company’s investments,
is going to be reduced significantly.

The first $50K/year of corp. passive income
that you earn is taxed at
approx. 50% (depending on the province).

The new rules in the 2018 budget
now increases that taxation
to over 110%
for any corporate passive income
that is between
$50,001/year and $150K/year.

After that $150K threshold,
the taxation “drops” to around 70%…

The government wants you
to take the money out of the corporation,
at your highest marginal tax rate
(48% to 50% depending on the province).

Ask how you can avoid being punished for earning passive income.

Retirement Planning
How much will you get?

As you get in your forties or fifties,
the retirement questions start to become
more relevant and stressful.

How much will you have when you retire?
How long with my investments last ?
How much will I loose to taxes?

What if I become disabled, or sick?

All these questions are valid.
Do you have a road map that tell you
how much you should save today,
and for how many years,
in order for you to retire with the income
you need to maintain your
existing or retirement expected lifestyle?

Most people know little about what
the picture will look like,
they know they have investments that
are performing fairly well (if you’re lucky),
and that the plan is
to have enough money to retire.

But so few know exactly what these numbers are.

And with different advisors each working
on their own piece of the puzzle,
the lack of coordination or communication
doesn’t help clarify that picture.

Contact us and together we will draw your road map to retirement.
I’ve recently worked with Antoine and Jim to set up a Personal Pension Plan through my corporation for my retirement.
They’ve also helped me identify opportunities where I could save money, get better coverage on my insurances
and increase the tax efficiency of my Professional Corporation.
My disability coverage virtually doubled for about the same price, and I understand clearly now
what coverage I already had and what was missing.
I encourage you to connect with Antoine and Jim.
Dr Indar, General Surgeon

The Wealthy Physician – Canadian Edition

This book is the Canadian version of an American book that was originally published by Chase Chandler. Douglas Guest and Antoine Rempp have adapted its content to fit our Canadian market. First book on the market that describes the Canadian application of the Infinite Banking Concept truthfully.

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Live your Life Insurance – Canadian Edition

This book is the Canadian version of an American book that was originally published by Kim Butler. Douglas Guest and Antoine Rempp have adapted its content to fit our Canadian market. Second book on the market that describes the Canadian application of the Infinite Banking Concept truthfully.

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Newsletter, Articles
and Relevant Books

There are a lot of very interesting books that you can read on the Infinite Banking Concept, on Cash Flow Planning, or for financial matters in general. You’ll find in this sections books that are relevant to medical professionals, business owners, or financial education in general. Some of them are also available in audio format.

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We believe in financial education, not just selling products. The more you understand about money, the more it will work for you.

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