Strategy, not just compliance. We help business owners minimize tax exposure, protect assets, and build long-term wealth through proactive, year-round planning.
Most business owners view corporate tax as a mandatory annual event—a bill to be paid and forgotten. At Redmond & Company, we view it as your biggest opportunity for wealth creation.
If you are only talking to your accountant in April, you are likely overpaying. By the time year-end arrives, the window for strategy has closed. We move you from reactive filing to proactive architecture, using the Canadian tax code to structure your business in a way that fuels growth and protects your legacy.
As your business grows, your financial needs evolve from “keeping the books” to “optimizing the wealth.” Most firms can file a return. Few can design a future.
| Feature | The "Typical" Accountant | The Redmond Strategic Partner |
|---|---|---|
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The Relationship |
Reactive. You chase them for answers. |
Proactive. We bring ideas to you before deadlines. |
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The Scope |
Siloed. Files the T2 and ignores your personal goals. |
Integrated. optimizing your Corporate + Personal + Trust ecosystem. |
|
The “Year-End” Surprise |
Common. You find out what you owe when it’s too late. |
Eliminated. We forecast tax liability months in advance.
|
|
Asset Protection |
Basic. Leaves assets exposed in the operating company. |
Fortified. We use HoldCos and Trusts to creditor-proof your wealth.
|
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Exit Strategy |
Afterthought. Discussed only when you want to sell. |
Built-In. We structure share classes today to maximize your Capital Gains Exemption tomorrow. |
We specialize in complex corporate structures for established business owners and Incorporated Professionals.
We handle the full compliance lifecycle. From preparing financial statements to filing your T2 return with the CRA, we ensure accuracy and timeliness to eliminate the risk of penalties.
How do you pay yourself? We run a custom analysis annually to determine the perfect mix of Salary (to build RRSP room/CPP) and Dividends (for cash flow), ensuring you pay the absolute legal minimum in personal tax.
As you build retained earnings, you need protection. We help you structure Holding Companies to “purify” your operating company, protecting your hard-earned assets from liability and preparing your business for the Lifetime Capital Gains Exemption (LCGE).
Don’t let passive income trap you. We advise on how to invest corporate surplus efficiently, navigating the Refundable Dividend Tax on Hand (RDTOH) and Capital Dividend Account (CDA) rules to move money out of your corp tax-free where possible.
Buying a competitor? Selling your life’s work? We guide you through the tax implications of Asset vs. Share sales, ensuring you structure the deal to maximize your after-tax retention.
Successful business owners often have a lawyer, an investment advisor, and an insurance broker—but they rarely talk to each other. This creates gaps in your strategy where tax leakage occurs.
At Redmond & Company, we act as the quarterback. We collaborate directly with your legal and financial teams to ensure your corporate structure aligns with your estate plan and investment portfolio. No more broken telephone. Just a unified strategy working for you.
We check your numbers 6 months in. If you are having a banner year, we adjust your installments so you aren’t hit with a massive bill later.
(The Critical Step). Two months before your year-end, we meet to execute strategies—purchasing assets, declaring bonuses, or making legislative elections while we still can.
When year-end comes, the work is already done. We prepare the return, you sign via TaxFolder, and we file. No stress.
There is no “one size fits all” answer. It depends on your cash flow needs, your RRSP goals, and your spouse’s income. We run a “Compensation Optimization” model every year to give you the math-backed answer for your specific situation.
A HoldCo offers three primary benefits: Asset Protection (shielding cash/investments from lawsuits against your operating company), Tax Deferral (investing with pre-personal-tax corporate dollars), and Purification (keeping your OpCo eligible for the tax-free Capital Gains Exemption on sale).
Yes. We often onboard clients who feel they have overpaid in the past. We can review prior T2 returns to look for missed deductions or incorrect elections and file adjustments if necessary.
Yes. We specialize in the unique rules facing Professional Corporations (PCs), including TOSI (Tax on Split Income) compliance and investment restrictions. We ensure you stay onside with the CRA while maximizing the benefits of incorporation.
You worked hard for your profit. Don’t let reactive accounting give it away. Partner with a firm that engineers your tax strategy.