For physicians, dentists, and incorporated professionals, your corporate structure is one of your most powerful wealth-building tools — but only if it’s used strategically. Mount Columbia Private Wealth works with incorporated professionals to ensure their investment strategy is fully coordinated with their corporate structure, optimizing how assets are located across personal and corporate accounts to minimize tax and maximize long-term growth. We understand the nuances of salary versus dividend decisions, retained earnings strategies, and the unique planning opportunities available to those operating through a professional corporation.

Our team collaborates closely with your accountant to create an integrated plan that considers your RRSP, TFSA, corporate investment account, and personal holdings as one unified picture. This includes positioning tax-efficient within your corporation where they can generate income at favourable corporate tax rates, while ensuring your overall retirement plan accounts for the eventual wind-down or transition of your practice. The result is a coordinated strategy where every dollar is working in the right account, in the right investment, at the right tax rate.