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Guides

The reference library for incorporated professionals.

Each guide is the complete treatment of one topic — maintained and re-reviewed rather than written once and left to age. The essays go deeper on individual questions; these are the map.

  1. 01The Professional Corporation Decision in Ontario (2026): Should Physicians and Dentists Incorporate?Incorporating is usually sold as a tax saving. For most physicians and dentists it is a tax deferral, and its value depends on how much you leave in the corporation, for how long, and at what rate it comes out. This guide runs the 2026 Ontario numbers and covers the rules that apply to medicine and dentistry professional corporations.11 min readReviewed September 2026
  2. 02Salary vs Dividends in Ontario (2026): How Incorporated Physicians and Dentists Should Pay ThemselvesMost salary versus dividend comparisons count CPP as a tax and ignore the tax still owed on money left in the corporation. This guide runs the 2026 Ontario numbers both ways, explains what each form of pay actually buys, and covers the rules specific to medicine and dentistry professional corporations.15 min readReviewed September 2026
  3. 03Corporate Investing and the SBD Grind: The $50,000 Passive Income Rule Explained (2026)The $50,000 passive income rule quietly raises the tax rate on your corporation's operating income. Here is how the grind actually works in 2026, with Ontario numbers, the prior-year trap, and what you can do about it.14 min readReviewed August 2026
  4. 04Corporately-Owned Life Insurance in Canada: CDA, Participating Whole Life and the Tax Mechanics (2026)The corporation pays with 11.2 percent dollars, the growth escapes the passive income rules, and the death benefit exits mostly tax-free. Here is the whole mechanism, including the parts that go wrong.16 min readReviewed August 2026
  5. 05The Immediate Financing Arrangement (IFA): A Complete Guide for Incorporated Professionals (2026)The IFA is the most talked-about and least understood strategy in corporate insurance planning. This guide walks through the structure, the two deductions and their exact conditions, what the leverage does and does not change, and the honest list of ways it goes wrong.15 min readReviewed August 2026