Taxes are one of the few guarantees in life—but giving away more than you need to? That’s optional. At Freeman Group Private Wealth Management, we treat tax planning as a proactive, long-term strategy—not a once-a-year obligation.
Whether you’re a high-net-worth individual, a small business owner, or preparing for a major liquidity event, we help you structure smarter, plan earlier, and keep more of your money where it belongs: working for your goals. From tax-efficient income planning to advanced corporate tax strategies, our goal is simple—less waste, more wealth.
Tax planning for high-net-worth individuals
We work with high-net-worth families who want more than surface-level tax savings. For those with significant income, real estate, complex estates, or family corporations, high-net-worth tax strategies are essential—not optional.
Our tax planning includes:
- Strategic withdrawals from RRSPs, RRIFs, and non-registered accounts
- Income splitting with spouses and adult children
- Trusts and intergenerational wealth transfers
- Charitable giving strategies with tax advantages
- Estate freeze strategies to reduce probate and future tax liability
We look at the full picture—what you earn, what you spend, what you’ll pass on—and design a strategy that aligns your wealth with your long-term vision.
Tax strategies for small business owners
If you’re a business owner, your personal and corporate finances are often deeply intertwined. You need tax planning that accounts for both sides. We specialize in tax strategies for small business owners that help convert active income into long-term wealth.
Our small business tax planning covers:
- Holding company structures to shelter retained earnings
- Dividend vs. salary strategies
- Corporate-owned life insurance
- Retirement plans for small business owners, including Individual Pension Plans (IPPs) and RRSP planning
- Post-sale planning for business exits or successions
These aren’t off-the-shelf solutions. They’re practical, custom-built strategies to help you take control of your cash flow, build equity outside the business, and retire on your terms.
Corporate tax planning built around your goals
Corporate tax planning shouldn’t feel reactive. At Freeman Group, we work in collaboration with your accountant to build an integrated plan that fits your current business structure—and adapts to your future plans.
Whether you’re growing your business or planning your exit, we help you:
- Reduce corporate tax exposure
- Strategically extract profits
- Structure capital gains efficiently
- Prepare for succession or sale
- Protect shareholder value
We bring order to complexity, showing you how to structure your company—and your compensation—in ways that reduce tax, boost retirement income, and support long-term security.
Always a step ahead of change
Tax laws shift. Credits disappear. Brackets adjust. And if you’re not watching closely, your strategy could quietly go stale. We stay on top of every change in the tax code so you don’t have to. Our tax planning for high-net-worth individuals and business owners includes:
- Annual reviews of tax strategies
- Ongoing collaboration with accountants and legal advisors
- Built-in flexibility to adapt to CRA policy changes
- Scenario planning to test different outcomes ahead of time
When the rules change, your plan doesn’t fall behind—it evolves.
Tax reduction isn’t the goal—it’s the result
We don’t believe in tax tricks or shortcuts. But we do believe in thoughtful, forward-looking planning that results in meaningful tax reduction year after year. Our clients don’t wait until tax season to think about taxes—they stay ahead of it, all year long.
With Freeman Group Private Wealth Management, tax planning is not a box to check—it’s a foundation for long-term success.