DL Wealth

The $50K Passive Income Trap.

Once your corporation earns more than $50,000 in passive income, the CRA starts clawing back your small business deduction — $5 of deduction lost for every $1 over the limit. Hit $150,000 and it's gone entirely.
Most incorporated business owners have no idea this is happening. New episode of Keep What You Build drops tomorrow at 9am. Here's a preview 👇

The quick recap: passive income over $50K claws back your small business deduction.

You've got 6 options. The best move is almost always a combination, not a single play.
Greg breaks it down 👇

▶️ https://youtu.be/ycFpPZf-aWk · Book a free strategy call: dundaswealth.ca/apply

"By the time you hit $150,000 in passive income, your small business deduction is gone entirely."

Greg explains why retained earnings sitting in your corp can quietly double your tax rate 👇
Full video: https://youtu.be/ycFpPZf-aWk

"Life insurance is probably the most powerful tool there is for transferring wealth between generations."

A clip from today's new episode with Greg Rozdeba 👇 Full episode: https://www.youtube.com/watch?v=W8b5Qj5pQNQ

"If this strategy is so good, why hasn't my accountant told me about it?"

The #1 question we hear from incorporated business owners — and the answer surprises people. New episode of Keep What You Build drops tomorrow at 9am. Here's a preview 👇

The exact words to use when you want to raise corporate life insurance with your accountant:

"I've been reading about corporate owned life insurance and the Capital Dividend Account. Can we look at whether our retained earnings situation makes this worth exploring? I have a licensed advisor who can walk us through the structure with both of us."

You're not asking them to know insurance. You're asking them to evaluate a tax strategy. Most accountants say yes immediately.

Full video → https://www.youtube.com/watch?v=eCRDEbTf0Fs
Book a call → https://dundaswealth.ca/apply

Retained earnings in your corporation in 2026? Here are your 6 options:

1. Invest in securities
2. Real estate
3. Pay down debt
4. Reinvest in the business
5. IPP
6. Corporate owned life insurance

The passive income rules are real — earning more than $50K/year in passive income inside your corp claws back your small business deduction. Most people don't see it coming until year-end.

The right strategy is almost always a combination, not a single play.

Full video → https://www.youtube.com/watch?v=eCRDEbTf0Fs
Book a call → https://dundaswealth.ca/apply

"Corporate life insurance is just a tax dodge."

That's the most common pushback — and it's wrong.

The CRA has specific rules around how corporate policies qualify for tax-sheltered growth. Get the structure wrong and gains are taxed every year. There's also a piece most advisors don't mention: the cash value can be used as collateral for a corporate loan — capital access during your lifetime, no tax event.

Full video → https://www.youtube.com/watch?v=eCRDEbTf0Fs
Book a call → https://dundaswealth.ca/apply