Tax Planning
Description Category Tax Planning
Unlocking Home Equity: Reverse Mortgages for Quebec Retirement
Reading Time: 9:45 min
Introduction Many Quebec retirees are “house rich, cash poor.” Their paid-off homes offer little liquid income, while rising costs, healthcare, and family support strain retirement plans. Market volatility adds stress.…
Investment Loans in Canada: Strategies, Tax Rules & Quebec Insights (2026 Guide)
Reading Time: 9:42 min
Introduction: Borrowing to invest can accelerate wealth but also magnify risk and tax errors. Investment loans in Canada are powerful tools when used with a clear plan, appropriate time horizon,…
Maximizing Profit: Quebec Rental Property Capital Gains & Tax Planning
Reading Time: 12:3 min
Introduction Selling a Quebec rental property can result in a substantial tax bill without proper planning. Capital gains tax, renovation records, depreciation recapture, and timing all impact net proceeds after…
Quebec Compensation Strategy: Salary vs. Dividends for Professionals
Reading Time: 9:38 min
Essential Compensation Insights for Quebec Business OwnersIncorporated professionals and business owners in Quebec face a crucial annual financial decision: how to pay themselves. The choice between salary, dividends, or a…
FHSA / CELIAPP 2025 Quebec Guide: Why Year-End Opening Unlocks Tax Savings
Reading Time: 9:55 min
The First Home Savings Account (FHSA), known in Quebec as the CELIAPP, is one of the most effective tax tools for first-time homebuyers. It combines the contribution deduction of an…
Money Basics in Quebec: 7 Proven Simple Habits for Financial Stability
Reading Time: 8:22 min
Rent in Montréal and Québec City is up 8–12 % year-over-year, Quebec has the highest combined tax rates in Canada, and QPP contributions are higher than CPP. Yet hundreds of…