Integrated Tax & Financial Planning
Offered by Access Private Wealth Corp.
Access provides tax-efficient financial planning services for business owners, professionals, high-net-worth clients, and widows, helping coordinate your investments, cash flow, retirement, estate priorities, and tax considerations into one clear long-term plan.
Financial Planning
Tax planning is a critical component of long-term wealth management. Our approach focuses on understanding how tax considerations intersect with your broader financial structure. We assess the tax efficiency of registered and non-registered accounts, investment income, and cash flow, and identify opportunities to improve coordination and after-tax outcomes within a disciplined planning framework.
Working alongside your existing tax and legal advisors – or introducing trusted professionals where appropriate – Access Private Wealth Corp. helps ensure tax strategies are aligned with your overall financial, estate, and legacy objectives.
Our tax planning strategies include advice and guidance on:
- Income splitting to reduce income taxes
- Sharing CPP benefits and RRSP contributions
- Registered Education Savings Plans (RESP)
- Registered Disability Savings Plans (RDSP)
- Graduated Rate Estates (GREs)
- Prescribed rate loans
- Family trusts
- Strategies for splitting business income
We can also provide you with handy tips to save even more tax, such as deducting interest on investment or business loans, investment counsel fees, capital gains exemptions, and more.
Financial Planning
Financial planning extends beyond investment selection. It involves a comprehensive assessment of your overall financial structure – balancing current priorities with long-term objectives – to support informed decision-making over time.
Our planning process incorporates realistic, disciplined assumptions around factors such as inflation, longevity, retirement income, and spending needs. Investment recommendations are made within this broader context and aligned with each client’s objectives, risk tolerance, and time horizon as part of a coordinated financial planning and wealth management strategy.
The result is a structured, adaptable plan designed to remain relevant through changing market conditions, life circumstances, retirement planning needs, tax planning considerations, estate planning goals, and business succession planning where applicable.
In client assets
Families Served
Years of advisory experience & Multi-generational Planning
Fee-based advice
Average client relationship
Retirement planning focuses on ensuring financial flexibility and sustainability over time. We help clients evaluate future cash flow needs and develop strategies for drawing income efficiently and intentionally throughout retirement. This includes assessing the optimal sequencing of registered and non-registered assets, TFSAs, pensions, and other income sources like CPP and OAS, as well as reviewing opportunities for income splitting where appropriate. We also consider longer-term decisions such as downsizing or the potential sale of a principal residence to ensure retirement plans remain coordinated and adaptable.
Count on the team at Access Private Wealth Corp. to evaluate appropriate strategies within a disciplined planning framework - supporting long-term objectives and helping families prepare for the future with clarity and confidence.
Tax & Financial Planning in Toronto, Mississauga, Ancaster and Southern Ontario.
You’ve worked hard for your money and invested wisely. Keep more of your capital and income for yourself with tax and financial planning solutions from Access Private Wealth Corp. Just ask how we can increase your family’s wealth with a tax-efficient strategy that’s completely tailored to your needs and goals.
Choose How Access Supports You
Access offers flexible financial planning and wealth management services designed to meet clients where they are. Whether you need focused insurance guidance, collaborative financial planning, full-service planning support, or complete wealth management with active investment management, our team helps you make confident decisions across your wealth, business, family, and future.
The Access Formula
Managing wealth involves far more than holding investment accounts. The Access Formula is our proprietary planning framework, developed and refined to integrate every aspect of a client’s financial life as circumstances evolve over time.
Built on seven core financial pillars, the Access Formula provides a structured yet flexible approach – guiding clients through life’s critical transitions while maintaining clarity, continuity, and alignment across every financial decision. It is a long-term, relationship-driven process, not a static or transactional one.
By focusing on the broader objectives and long-term picture, clients gain confidence in the direction of their wealth while we manage the underlying complexity.
Client Testimonials
Who We Serve
We work with a select group of clients whose finances require thoughtful planning, coordinated advice, and long-term strategy. We support business owners, professionals, high-end wealth management clients, and widows with integrated guidance across financial planning, investment management, tax coordination, estate planning, and wealth transfer.
Business Owners
Simplifying the complexity between business and personal finances, aligning each decision with defined goals, preserving wealth, and integrating strategies for maximum efficiency, allowing greater focus on running the business.
Families
Helping families across generations steward wealth effectively, with strategies designed to preserve capital, reduce taxes, and support meaningful philanthropic goals.
Professionals
Supporting incorporated professionals by leveraging the advantages of incorporation, particularly where business and personal finances converge. Using strategies focused on tax efficiency, wealth accumulation, and preservation.
WIDOWS & WIDOWERS
Providing clarity and steady guidance during a time of transition. Helping organize financial decisions, understand what comes next, and build a clear path forward with confidence.
Frequently Asked Questions
What is integrated tax and financial planning?
Integrated tax and financial planning connects your investments, income, cash flow, retirement goals, estate priorities, and tax considerations into one coordinated plan. Instead of looking at each decision separately, Access helps clients understand how each part of their financial life affects the others.
Do you provide financial planning, or just investment management?
Financial planning is at the core of what we do. Investment decisions are made within the context of your broader financial plan, including your cash flow needs, tax considerations, risk tolerance, retirement goals, and long-term priorities.
Do I need a financial plan if I already have investments?
Yes. Investments are one part of a broader financial picture. Without a clear plan, your portfolio may lack the context needed to support your goals, income needs, tax strategy, and estate priorities. At Access, the portfolio is built to support the plan, not the other way around.
Do you provide tax advice?
Access provides high-level tax guidance as part of the planning process and has a CPA on the team. For specific tax advice, filings, or implementation, we coordinate with your accountant or other tax professionals.
Do you work with my accountant and lawyer?
Yes. Access often works closely with a client’s existing accountants, lawyers, and other professionals. Where needed, we can also coordinate with trusted professionals who help execute specific strategies.
How long does it take to go through the Access Formula?
The Access Formula typically takes 2–4 months, depending on the complexity of your situation and how quickly the required information is provided.
Is the Access Formula a one-time process?
No. The Access Formula is not a one-and-done process. We review your goals against your actual progress whenever we meet to help ensure your plan remains on track.
How does financial planning support retirement planning?
Retirement financial planning helps connect your investment strategy, income needs, tax planning, registered accounts, pension decisions, estate goals, and lifestyle priorities. Access helps clients understand where they stand today, what may need to change, and how their plan should evolve over time.
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