You worked hard. You saved, you invested, and now—your wealth is real. But here’s the thing no one tells you loud enough: it’s not how much you earn. It’s how much you keep. And in the world of high-net-worth tax planning, the silent erosion doesn’t come from bad investments—it comes from poor strategy.
At Scepanovic & Associates, tax planning isn’t the fine print—it’s the foundation. We work with successful families, incorporated professionals, and business owners across Oakville, Burlington, Toronto and the GTA to make sure their wealth moves smart, moves smooth, and never slips quietly away through tax inefficiencies.
Tax planning is a year-round discipline
We don’t do “last minute.” Strategic tax planning for high-net-worth individuals happens in every quarter, not just during tax season. Every decision—how you withdraw income, how your company is structured, how you pass on your assets—carries tax consequences. We help you think ahead, act early, and plan proactively.
Your financial life isn’t static. Neither is the tax code. So we keep your plan alive—refining it every year as laws shift, goals change, or new opportunities emerge.
Smart personal tax strategies
Deductions, credits, and write-offs are a starting point—but they’re only the beginning.
We take a deeper look at:
- Tax-efficient investment structures.
- Use of capital losses to offset future gains.
- Optimizing charitable giving to do good while doing well.
Many high earners assume they’ve maxed out their opportunities. They haven’t. At Scepanovic & Associates, we find the blind spots others miss—because those are the spots where dollars quietly vanish.
Retirement withdrawals without surprise tax bills
The wrong move? It could push you into a higher bracket, or hit you with unexpected RRSP withholding tax.
Retirement isn’t the time to guess. It’s the time to know—with precision—how much you can spend, and how to keep as much of it in your pocket as possible.
Corporate tax planning that works now and later
You’re a business owner, not a tax specialist. That’s where we come in. With decades of experience advising high-income professionals and entrepreneurs in Oakville and beyond, we build corporate tax planning strategies that reduce your liability without disrupting your cash flow or long-term plans.
That includes:
- Structuring your corporation and holding companies to support tax deferral and investment growth.
- Balancing salary and dividend payouts to minimize tax now and in the future.
- Income-splitting with family members when and where it’s allowed.
- Integrating business succession strategies early—so you’re not rushed when it’s time to exit.
You built your business with care. Your tax plan deserves the same level of detail.
Family and legacy planning
Family wealth deserves structure. It deserves discipline. Without it, your estate could lose hundreds of thousands to probate fees, capital gains taxes, and inefficient transfers.
We help high-net-worth families:
- Use permanent life insurance to create tax-free liquidity.
- Structure intergenerational transfers through trusts or corporate reorganization.
- Gift assets or make charitable donations in ways that preserve value.
- Maintain privacy and control while planning long-term wealth continuity.
A strong estate tax strategy doesn’t just protect your money. It protects your intent.
Anticipating legislative shifts
Tax rules change. Budgets pass. Exemptions move. And you can’t afford to find out after the fact that something you’ve relied on is now a liability. At Scepanovic & Associates, we stay ahead of new developments in both personal and corporate tax law—so your plan adapts before it’s too late. Whether it’s changes to capital gains inclusion rates, new trust rules, or provincial tax updates, we prepare you for what’s coming, not just what is.
Connecting your tax plan to your full financial picture
Your tax plan isn’t separate from your investment strategy. It’s not separate from your retirement goals or your estate wishes. It’s all connected. We work in collaboration with your accountant, lawyer, and other advisors—or we coordinate the process ourselves—to ensure every piece of your financial life is working in sync. No more duplication. No more missed opportunities. No more “I wish I had known.”
With us, your strategy feels complete—because it is.
For high-net-worth individuals, strategy isn’t optional
Once your wealth hits a certain level, generic advice doesn’t work. You need real strategy. Real precision. Real foresight.
Whether you’re:
- An incorporated professional looking to extract money from your business.
- A retiree unsure how to draw income without a tax hit.
- A parent trying to pass wealth without penalties.
- Or a business owner preparing to sell in five years…
The right tax plan will shape your outcome. That’s the difference between growing your wealth and watching it slowly leak away.