2025 Federal Budget Analysis

On November 4, 2025, Finance Minister François-Philippe Champagne presented Budget 2025, “Building a Strong Canada,” outlining investments to boost growth while ensuring fiscal responsibility. Click for a summary!

Source: Mackenzie Investments

Most Canadians Overlook This Smart Investment Strategy

If you’ve maxed out your RRSP and TFSA and now find yourself with a large non-registered investment account, you might be unknowingly handing a huge chunk of your returns to the CRA every single year. This video, we walk you through one of the most overlooked tax strategies in Canada – corporate class investing.

We break down how interest, foreign income, and capital gains are taxed in a traditional non-registered account and how corporate class funds can help you defer tax, reduce distributions, and generate tax-efficient retirement income using tools like Tax-Smart CashFlow (T-Class). Whether you are a high net worth individual, a retiree trying to avoid OAS clawbacks, or a business owner looking to grow inside your corporation, this strategy could be a game changer.

After watching the video, it should help you understand:

• How corporate class funds work
• Who can benefit the most
• How to create a personal paycheque that’s CRA-efficient
• Why this structure helps maximize compounding and control

If you’ve built up significant non-registered wealth, or holding excess cash in your corporation, corporate class investing could help you reduce taxes and structure your portfolio more efficiently.

Executive Health Plan (Shared-ownership Critical Illness Insurance)

The Executive Health Plan (EHP) allows you to own a critical illness policy jointly with your corporation. Your corporation will receive a lump-sum benefit if you are diagnosed with a covered critical illness. If you remain healthy, you will get back up to 100% of the premiums paid by both you and your family.

In the event of a covered critical illness, your company can use the non-taxable lump-sum benefit to:

• maintain the company’s financial integrity
• Limit its financial losses by hiring qualified replacement personnel
• repay debts, thereby reassuring its creditors, suppliers and customers
• buy back your shares, or the share of another shareholder who is ill or wishes to retire
• help you get back on your feet by paying you a portion of this amount

Contact us to see if this solution applies to your situation!

Source: Desjardins Insurance

DLD in the Community

Peninsula Gives – DLD was proud to participate in the annual Peninsula Gives fundraiser benefiting Children’s Hospital where over 80% of the funds raised went directly to the beneficiary!

Advocis National Board – (The largest voluntary professional membership association of financial advisors in Canada) – This year, Kelly was elected to the Advocis National Board and she attended her first in-person meeting in Toronto. She is now on the Governance and Nominations committee within the board where she, along with her fellow board members are tasked with updating the governance

DLD in the Media

• Talking about Money is Hard – CBC Radio
• How lifestyle creep unsettles savings plans for high earners – The Globe and Mail
• Buy now, pay later services are getting popular – Global News
• The pros and cons of using life insurance to fund education costs – The Globe and Mail
• Younger Canadians rethink retirement as working less – not giving up work entirely – Survey – Yahoo Finance 

Please do not hesitate to contact us if you have any questions or if there’s anything we can do to help.

Thank you for your time and from all of us at DLD.

Warmest regards,
Dave, Kelly, Ryan, Aaron, Brandon and Ian

E&OE