For many Canadians, financial planning stops at saving into a TFSA or RRSP. But true wealth — the kind that provides freedom, legacy, and peace of mind — comes from layering advanced strategies that align money with both your goals and your wellbeing.
As a Holistic Financial Coach and Mortgage Agent Level 2 in Toronto, I help professionals, families, and business owners grow beyond the basics. Here are strategies that combine technical precision with heart-centered clarity.
The Shift From Saving to Building
- Saving creates stability.
- Investing builds growth.
- Advanced wealth building combines tax planning, real estate leverage, and holistic vision — so money works harder without adding stress.
Tax-Efficient Investing
- RRSP vs. TFSA — Use strategically based on your income bracket. High earners often benefit from RRSP deductions; moderate earners may maximize TFSA first.
- RESP & RDSP — Capture government matching and tax-deferred growth.
- Corporate class funds — A tax-efficient option for incorporated professionals.
- Charitable giving — Donate securities directly to offset capital gains while supporting causes you care about.
Income Splitting & Family Planning
- Spousal RRSPs — smooth retirement income between partners.
- Pension income splitting — for couples approaching retirement.
- Family trusts — for higher-net-worth households with business or property income.
- Beyond the math: engaging your spouse or children in financial talks builds generational confidence and literacy.
Real Estate Leverage — Done Safely
- Use equity strategically: refinancing one property to invest in another can accelerate growth, but only if cash flow and reserves are solid.
- Multiplex strategy: 4–10 unit buildings balance rental income with appreciation.
- Refinancing with intention: not just consolidating debt, but funding renovations, education, or new investments.
Business Owners & Professionals
- Incorporation: Consider when income consistently exceeds what you need personally.
- Salary vs. dividends: Each has tax advantages — align with your goals and retirement plan.
- Holding companies: Can offer liability protection and tax deferral.
- HST planning: Especially important for landlords with short-term rentals or mixed-use properties.
The Holistic Lens
Money decisions ripple into your stress, health, and family life. True wealth is about balance: growing assets while preserving calm.
💡 Optional Human Design lens:
- Emotional Authority — pause before major leverage decisions; clarity comes with time.
- Splenic Authority — trust intuitive nudges around which risks feel safe.
✅ Advanced Wealth-Building Checklist
- Maximize tax-efficient accounts (RRSP, TFSA, RESP, RDSP).
- Explore income-splitting strategies.
- Review real estate leverage with cash flow safety.
- Optimize business structure (incorporation, holding companies).
- Involve family in your long-term vision.
- Keep nervous-system calm as your ultimate success metric.
Let’s Build Advanced Wealth Together
Your wealth plan deserves both technical precision and holistic clarity. Together, we’ll design a strategy that grows your assets while keeping your family’s wellbeing at the center.
- 📞 Book your advanced wealth planning session
- 🛠 Explore professional tools for cash flow, tax, and real estate
Toronto-based. Bilingual. Professional. Heart-centered.