Tax planning
Tax efficiency, built into every decision.
The tax planning service of Groupe Conseil Sabin Painchaud, a private wealth management team of National Bank Financial in Quebec, builds tax optimization into every investment and planning decision, in collaboration with the client’s accountants and tax specialists. It covers ownership structure, after-tax return, and income deferral and splitting strategies.
Tax is often the largest expense of a lifetime. Our approach builds the tax dimension into every investment and planning decision, in collaboration with your accountants and tax specialists.
We do not provide tax advice in place of your professionals, but we orchestrate a coherent strategy that maximizes overall efficiency.
How we work
Ownership structure
Personal, holding company, trust: the right structure at the right time.
After-tax return
Decisions assessed by their real tax impact.
Deferral and splitting
Strategies to defer tax and allocate it intelligently.
Advisor coordination
Close collaboration with accountants and tax specialists.
Your questions, answered.
No. We work alongside your professionals. Our role is to ensure the tax coherence of your overall wealth strategy.
We aim to optimize your after-tax return and avoid unnecessary tax friction, within the rules in force.
A holding company becomes relevant when you accumulate surplus cash in an operating company, for tax deferral, asset protection or estate planning. We assess its relevance for your situation, with your tax specialists.
Several levers exist: optimal use of the TFSA and RRSP, placing each asset class in the right account (asset location), deferring gains and income splitting. We integrate these strategies into your overall plan.
Calculators related to this service.
Next step
Let’s build a strategy worthy of your ambitions.
A first confidential meeting, with no obligation, to explore how our team can serve your interests.