Accounting & tax services
Tax Planning
Evaluate compensation, deductions, corporate structure and upcoming transactions before decisions become irreversible.
Tax planning is about the decisions you make before year-end, not after. A&S Financials helps individuals and business owners structure compensation, time transactions, and organize their affairs to reduce tax within the rules of the CRA and Revenu Québec. We look at the full picture — salary versus dividends, incorporation, investment income, and major purchases or sales — so you can act with confidence and no surprises at filing time.
Book a consultationWhat we offer
- Salary, dividend and bonus planning
- Incorporation and corporate structure review
- Timing of income, purchases and dispositions
- Investment and capital-gains planning
- Family income-splitting where available
- Year-round proactive tax reviews
Frequently asked questions
When should I do tax planning?
Before year-end and before major decisions. Planning ahead lets us structure income, compensation and transactions while there's still time to act.
Salary or dividends — which is better for me?
It depends on your income, cash-flow needs and CPP considerations. We model both and recommend the mix that fits your situation.
Can tax planning really reduce what I pay?
Within the rules of the CRA and Revenu Québec, yes — through timing, structure, deductions and income-splitting where available.
Speak with a Montréal CPA
Contact us to discuss your accounting and tax needs — in the language you prefer.