Guides
Real problems.Worked answers.
Each guide starts with a decision real people face, shows the numbers, walks through worked examples and ends with a checklist. Official figures, sourced and dated. No jargon, no sales pitch in the middle.
Families
Your family's money
Homes, investing, inheritances and the plan that ties them together.
- 10 minute read · 3 figures · 3 worked examples
The family financial plan
A good income does not organise itself. This is the order we walk families through: see the money, protect it, direct it, and teach the kids while you do.
Read the guide - 12 minute read · 2 figures · 3 worked examples
Buying a home in Ontario
Most buyers save for the down payment and are surprised by everything else. This is the full bill, the accounts that pay part of it for you, and the tax rules that follow you after the keys.
Read the guide - 11 minute read · 2 figures · 3 worked examples
Investing and tax in Canada
Two people can own the same investment and keep very different amounts. The difference is the account it sits in, the kind of income it pays and whether the paperwork was kept.
Read the guide - 9 minute read · 2 figures · 3 worked examples
Crypto and tax in Canada
You did not cash out, so you think there is nothing to report. In Canada, trading one coin for another, or paying for something with crypto, is a taxable event. Here is how it works and how to put it right.
Read the guide - 11 minute read · 2 figures · 3 worked examples
Inheritance and tax in Canada
People ask how much tax they will pay on an inheritance. Usually none. The tax was charged one step earlier, to the person who died, and understanding that step is what protects the family.
Read the guide - 10 minute read · 2 figures · 3 worked examples
Wills and estate planning in Ontario
A lawyer writes the will. But a will written without the numbers can divide an estate in a way nobody intended. This is the part an accountant adds.
Read the guide - 11 minute read · 2 figures · 3 worked examples
Building family wealth
Wealth rarely survives three generations, and tax is not the main reason. The families who manage it do four things in order: earn, protect, grow and pass on, and they teach as they go.
Read the guide
Business owners
Your business
Plan it, fund it and grow it without running out of cash.
- 10 minute read · 2 figures · 3 worked examples
A business plan that gets funded
Lenders do not fund ideas. They fund evidence that the money comes back. A plan that gets a yes is short, built from the bottom up, and honest about the worst month.
Read the guide - 10 minute read · 2 figures · 3 worked examples
Business debt and leverage
Debt is a tool that multiplies whatever is already happening. Used on a business that earns more than the debt costs, it builds wealth. Used to cover a business that does not, it speeds up the end.
Read the guide - 11 minute read · 2 figures · 3 worked examples
Finance strategies for growth
Most businesses that fail while growing were profitable. They ran out of cash, priced too low or hired ahead of the numbers. These seven moves are the ones we put in place first.
Read the guide
Coming to Canada
Money across borders
Income and assets in more than one country.
Do the maths
Calculators that go with the guides
- Ontario income tax calculatorTax, take-home pay and your refund for 2026.
- RRSP tax saving calculatorWhat a contribution saves and what it really costs.
- Mortgage calculatorPayment, interest and what your income supports.
- Land transfer tax calculatorOntario and Toronto, with first-time buyer rebates.
- Salary or dividend calculatorHow to pay yourself from your company.
- Invoice generatorMake, send and save an invoice with GST/HST.
- GST/HST calculatorEvery province, add tax or work it backwards.
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