The Accountant’s Technical Insurance Companion
You verify the numbers. We substantiate them.
Your clients are being pitched complex strategies involving Subsection 20(1)(c) deductions and CDA credits. You need to know if the math holds up against CRA scrutiny.
We act as your technical insurance department. We don’t just implement the policy; we provide the loan anatomy, the deduction schedules, and the T2 filing data you need to maintain compliance year after year.
Verifying The Insurance Structure
We understand that your role is to verify the insurance structure.
From ensuring the “reasonable expectation of income” test is met for Interest Deductibility to calculating the Net Cost of Pure Insurance (NCPI) for Capital Dividend Account optimization, we provide the documentation and transparency you need to sign off with confidence. We do not just put the insurance in place; we help you defend the file.
Protection: Risk Management & Due Diligence
The Business Owner’s Financial Journey: An Accountant’s GuideThe Capital Dividend Account (CDA) [for business owners]A Clear Guide to CCPC and Shareholder [for business owners]The Corporate Insured Retirement Plan [for business owners]Medicus vs. IPP vs. CIRP vs. RCA: An Accountant’s GuideGrowth: After-Tax Wealth Accumulation
A Foundational Guide to Immediate Financing Arrangements (IFAs)Accountant Companion: Navigating Canadian Interest Deductibility for Investment LoansWhen Your Client Asks ‘Why Don’t I Have an IFA?’: An Accountant’s GuideIFAs: An Accountant’s Guide to Client Suitability and Due DiligenceThe Accountant’s Role on the IFA Core Advisory TeamA Foundational Guide to IFA Risk Management for AccountantsHow an IFA Performs in Different Economic ClimatesA Guide to IFA Insurers and LendersHow to Select an IFA Lender: An Accountant’s GuideAnatomy of an IFA Loan: A CPA’s Guide to Renewals, Guarantees, and Lender SecurityIFA vs 10-8: Lessons Learned and Changes MadeIFA vs. IRP: An Accountant’s Guide to Strategic SelectionIFA vs. HELOC: An Accountant’s Guide to Choosing the Right Leverage ToolIFA vs. Conventional Investment Loans: An Accountant’s Guide to LeverageIFA vs. Infinite Banking: A Made-in-Canada Clarification for AccountantsA Look Under the Hood: Why Whole Life is the Engine for an IFAUsing an Existing Life Insurance Policy for an IFA: An Accountant’s GuideImpact: Legacy & Succession Planning
Estate Planning Mistakes [for business owners]Smart Philanthropy [for business owners]Donating 'My Par Gift' [general]Will Power [general]Unwinding an IFA: What Are the Options for an Early Exit?IFA-Enhanced Philanthropy: A Research Companion for AccountantsIFA-Enhanced Estate Equalization: An Accountant’s GuideThe IFA-Enhanced CDA: A Foundational Guide for AccountantsShareable Client Resources
When your clients ask about advanced concepts before meeting us, feel free to use articles from our neutral, educational client-facing hubs: