✓ Verified math — proven against independent references and last checked September 1, 2026; the full proof is under "How this is figured," below the results.
Leave business profits in the company and invest there, or pay them out and invest personally? The trade is real on both sides — deferral now versus higher investment taxes inside the corporation and a dividend bill at the end. This page runs the arithmetic at the file's real rates; the accountant's integration mechanics — RDTOH, the capital dividend account, the passive-income grind — then refine it.
Where the answer is "keep it in the company," the next question is often how the holdco finances property — corporate-held title, net-worth programs, the desk's daily work.
Arrange a confidential introductionRamin Hallaji, Principal, licensed in British Columbia (BCFSA) and Alberta (RECA) — a private-client desk of Mortgage Guru Financial, Dominion Lending Centres Group · 778-879-6768 · ramin@privatewealthfinancing.ca · Legal & licensing · Privacy policy
Illustration only — deliberately simplified, and not tax or investment advice. Both routes compound the same pre-tax dollar at the same return; every rate is yours to set because the honest answer depends on them. The model taxes corporate investment returns annually at the rate you set and applies dividend tax to the full corporate balance at the end; it ignores refundable-tax mechanics (RDTOH), the capital dividend account, passive-income grind on the small-business limit, salary-vs-dividend mix and income-splitting — precisely the machinery the client's accountant runs. Use this to frame the conversation, not to conclude it. Private Wealth Financing arranges mortgage financing only.