At Oldfield Group Wealth Management, we believe tax planning isn’t just a box to check—it’s one of the most powerful levers you have to protect and grow your wealth. Whether you’re a high-net-worth individual, a small business owner, or both, your tax strategy should be intentional, forward-looking, and deeply integrated into your broader financial plan.
Tax laws may shift, but your goals stay constant: keep more of what you earn, reduce unnecessary risk, and create a financial legacy that endures. That’s why we approach tax planning as a year-round, hands-on process.
Where strategy meets opportunity
Taxes are unavoidable—but inefficiency is not. Missed credits. Poorly timed withdrawals. Unused deductions. These small mistakes add up, quietly eroding wealth over time. Our job is to find the gaps—and close them. We create custom tax planning strategies for small businesses and high-net-worth individuals that do more than check compliance boxes. We build tax strategies that work—today, next year, and long into the future.
Whether we’re coordinating retirement withdrawals to avoid OAS clawbacks or restructuring your business to reduce corporate tax exposure, our planning is precise, proactive, and aligned with your life.
Tax planning for small business owners
Business owners face a unique—and often overwhelming—tax burden. But with the right structure and strategy, you can reduce that burden significantly.
We help clients implement:
- Holding companies to defer or reduce corporate tax
- Dividend vs. salary optimization to improve cash flow and reduce personal tax
- Tax-effective compensation plans for family members and employees
- Insurance strategies that protect capital while reducing taxable exposure
- Succession plans that minimize tax on exit or transition
Our tax planning for small business owners is built on experience. We understand how small decisions—from how you pay yourself to when you sell—can dramatically impact your tax bill.
Corporate tax planning done right
For incorporated professionals, holding companies, and business owners with complex corporate structures, we take a high-level view of your entire organization. Our tax planning team works with your accountant and legal advisors to ensure alignment between ownership structures, investment portfolios, and estate plans.
We help you:
- Reorganize share classes to enable income splitting
- Use capital gains exemptions wisely
- Shelter corporate surplus from passive income taxation
- Structure intergenerational transfers to reduce probate and tax erosion
Tax saving strategies for small business owners that go beyond the basics
Our tax strategies for small business owners are customized to your situation, goals, and risk tolerance. That means:
- Tapping into lesser-known tax credits
- Coordinating RRSP, TFSA, and non-registered accounts for tax efficiency
- Structuring real estate holdings tax-effectively
- Using insurance as a tax-sheltering tool
- Planning charitable gifts through donor-advised funds or foundations
Tax planning for high-net-worth individuals
The higher your income and the larger your assets, the more critical tax planning becomes. We create integrated strategies that balance today’s needs with long-term goals—ensuring your wealth isn’t quietly drained by inefficient decisions.
Our high-net-worth clients benefit from:
- Smart drawdown strategies across taxable and registered accounts
- Coordinated retirement income that preserves benefits and reduces risk
- Income splitting between spouses and generations
- Estate planning with trusts to reduce probate and taxes
- Charitable giving that aligns with your values and your tax strategy
Tax reduction isn’t a goal—it’s a process
Tax planning isn’t a once-a-year conversation. It’s an ongoing relationship, built on awareness, precision, and responsiveness. At Oldfield Group Wealth Management, we keep you ahead of the curve—adjusting to new rules, bracket shifts, and opportunities the moment they arise.
We build strategies that respond to your life—whether you’re navigating a business sale, dealing with a windfall, or preparing to retire.
A proactive partner in every chapter
From the moment you join us, we start asking the right questions: What do you want your wealth to do? Who do you want it to support? What surprises are you prepared for—and which ones could derail your plan?
Because real tax planning is about your life. We meet you where you are, then build forward with clarity, intention, and experience.