You’ve worked hard to build your wealth. At Boudreau & Associates Private Wealth Management, we act as your proactive advocate, delivering personalized tax planning that safeguards more of what you’ve earned.

We dig deeper to reveal credits and opportunities that others may overlook, ensuring your financial decisions work harder for you.

Whether you’re managing a business, planning for retirement, or preparing to pass wealth to the next generation, our tax strategies help you keep more of what’s yours and make every move count.

Tax-Smart Strategies For Real Savings

Many Canadians miss out on tax savings simply because they aren’t aware of every deduction, credit, or timing strategy available. Our proactive approach dives deep into your financial life, revealing hidden opportunities to reduce taxes effectively and legally. From personal credits to corporate tax optimization, we make sure every advantage is captured. We create real plans that are mapped to your actual numbers, life stage, and long-term goals.

Coordinated Planning With Your Accountant

We believe your tax plan should connect seamlessly with your financial strategy. That’s why we work closely with your accountant, ensuring every move we recommend aligns with your filings and reveals even more possibilities.

Whether it's integrating capital gains into your decumulation plan, or helping you choose the right moment to realize business income, we’re on the same page - literally.

Retirement And Decumulation Strategies That Work

Even in retirement your tax bill doesn’t go away. In fact, it becomes even more complex. From RRSP withdrawals to pension timing, smart decumulation planning can mean the difference between a stress-free retirement and a surprising tax hit. 

We help you:

  • Optimize RRIF withdrawals
  • Avoid unnecessary RRSP withholding taxes
  • Use TFSAs for tax-free growth
  • Blend income sources (CPP, OAS, pension, investments) for efficiency
  • Manage widow pension implications

With the right sequence and timing, your retirement income flows smoothly without giving more to the CRA than you need to.

Corporate Tax Planning And Compensation Strategies

Your business structure and compensation choices have a direct impact on your tax obligations. Whether you’re selecting the right corporate setup or determining the best mix of salary and dividends, our tax planning strategies help you keep more of your hard-earned profit while staying aligned with your long-term goals.

We offer: 

  • Smart business structures: The right legal and tax structure protects wealth and streamlines your finances.
  • Compensation planning: A tailored mix of salary and dividends can reduce overall tax and maximize your cash flow.
  • Succession planning: Transitioning your business? We help you manage tax implications for a smooth and profitable exit.

You’ve built something valuable. Let’s make sure it continues to serve you, today and into the future.

A Clear Plan For Your Legacy

Taxes can sometimes stand in the way of the legacy you want to leave, but with the right planning, they don't have to. At Boudreau & Associates, we work closely with you to ensure your wealth is passed on in a way that reflects your values and intentions while keeping taxes under control.

Whether your goals include helping fund a grandchild’s education, supporting a cause that is close to your heart, or making sure your spouse has long-term financial security, we help you minimize taxes through a combination of thoughtful strategies, including:

  • Trust structures that allow for smooth, controlled wealth transfer across generations
  • Life insurance solutions that provide tax-free benefits and protect your estate’s value
  • Tax-efficient inheritance plans that reduce the burden on your beneficiaries
  • Charitable giving strategies that align with your values while offering tax advantages

Legacy planning means making sure what you’ve built continues to support the people and causes you care about most. We help you create a plan that reflects your values and preserves your wealth, minimizing unnecessary taxes along the way.

Always Prepared For What’s Next

Tax laws and credits evolve constantly. New rules can open doors to savings or require adjustments. At Boudreau & Associates, we track these changes closely and update your tax plan accordingly, so you’re always positioned to make the most of new opportunities. This proactive approach ensures your plan is always current and positioned to help you maximize savings today and in the future.

Take Control Of Your Tax Story

Taxes don’t have to be a drain on your wealth. With strategic planning and expert guidance, they become manageable and even financially advantageous. At Boudreau & Associates, we help you reclaim control and ensure your money stays where it belongs: working hard for you and your family.

Let’s start with a conversation. Book a consultation with Boudreau & Associates today and discover how smart, personalized tax planning can give you more control, more clarity, and more wealth to build and protect.