Your Corporation Is a Wealth-Building Vehicle.
Are You Using It Right?
We partner with incorporated Canadian business owners to protect, grow, and transfer corporate wealth through tax-efficient strategies that go beyond what traditional advisors offer.
53%
Maximum combined
corporate tax rate
Corporate Wealth Strategy. Simplified.
Most business owners incorporate for liability protection and stop there. Inside that same corporate structure are strategies capable of saving tens of thousands in taxes every year.
Northern Shield Savings brings these strategies to incorporated Canadian business owners, spanning corporate tax optimization, key person insurance, and trust and entity planning. We collaborate with licensed advisors across Canada to implement what most traditional advisory teams overlook.
Protect
Safeguard your corporate assets from excessive taxation, creditor exposure, and unforeseen liabilities through proven legal structures.
Grow
Accelerate retained earnings through tax-advantaged vehicles designed to compound within your corporation, not on CRA's balance sheet.
Transfer
Transition corporate wealth to the next generation on a tax-free basis, preserving what you have built without triggering punitive tax events.
Three Pillars of Corporate Wealth
Every incorporated business owner has access to these strategies, yet few are ever presented with them. We connect you with licensed advisors who specialize exclusively in corporate wealth.
Corporate Tax Strategy
Retain more capital within your corporate structure.
Many incorporated business owners pay significantly more in corporate tax than necessary, simply because the available structures are never presented to them. We work to reduce your corporate tax exposure through legal, CRA-compliant strategies including the Immediate Financing Arrangement (IFA), corporate class funds, and capital dividend account optimization.
- Reduce effective corporate tax rates
- Access corporate cash without triggering 53% personal tax
- Double deduction strategies through the IFA
Key Person & Whole Life Insurance
Tax-free wealth transfer through corporate-owned protection.
Corporate-owned life insurance remains one of the most effective, yet underutilized, instruments in Canadian tax planning. When structured properly, it generates a tax-free death benefit, accumulates cash value within the policy, and can be leveraged through collateral loans to access capital without triggering taxable events.
- Tax-free death benefit to the corporation
- Cash value accumulation inside the policy
- Collateral loan access for corporate liquidity
Trust & Entity Planning
Structured asset protection and long-term succession planning.
For business owners planning beyond the current fiscal year, trust and entity structuring is essential. From family trusts to holding company configurations, we help you protect assets, plan for succession, and ensure your wealth transitions to the next generation rather than to CRA. This is about building a lasting legacy, not just a profitable business.
- Family trust and holding company structures
- Succession planning for business continuity
- Estate freeze and wealth transfer strategies
The Corporate IFA Playbook
A comprehensive guide to the Immediate Financing Arrangement, the corporate tax strategy that enables you to access capital without surrendering 53% to CRA.
WHAT IS INSIDE
Download the Free Playbook
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Built for Incorporated Business Owners
If you own an incorporated business in Canada generating $200K or more in annual revenue, there are strategies within your corporate structure that could meaningfully reduce your tax burden each year.
Medical Professionals
Physicians, dentists, and veterinarians operating incorporated practices with annual revenues exceeding $300K.
Legal Professionals
Lawyers and law firm partners seeking to optimize retained earnings and establish clear succession frameworks.
Accountants & CPAs
Accounting firm owners who understand the numbers and are ready for strategies that go beyond conventional planning.
Trades & Construction
Contractors, electricians, and skilled trades operators with profitable corporations and surplus retained earnings.
Real Estate Investors
Holding company owners managing rental income, capital gains, and multi-entity corporate structures.
Tech & Consultants
IT consultants, engineers, and agency principals operating high-margin incorporated businesses.
Do not see your industry listed? If you operate an incorporated business in Canada, we can likely help.
CHECK IF YOU QUALIFYReady to Protect Your Corporate Wealth?
Whether you are exploring the IFA, evaluating corporate insurance options, or preparing for succession, the first step is a conversation. Connect with a licensed advisor who focuses exclusively on corporate wealth strategy.
Complimentary consultation. No obligation. Licensed advisors across Canada.