Closing the Information Gap

We publish our deep work to turn complex knowledge into actionable insights—designed specifically for independent advisors and the private clients we serve.
Cinematic view of a modern library archive with organized binders in gold and plum, symbolizing Taxevity's structured educational curriculum.
Interior of a grand train station comparing two platforms. The empty, classical platform on the left represents the powerful but decommissioned 10-8 strategy, while the modern train on the right represents today's active IFA.

IFA vs 10-8: Lessons Learned and Changes Made

The fear of a 10-8 repeat is understandable, but the modern IFA is a fundamentally different and more robust strategy. Learn the key architectural differences that give the IFA its structural integrity and why it’s a resilient tool for accountants to consider for their high-net-worth clients.

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Conceptual image comparing financial strategies: a complex, multi-geared watch representing a sophisticated IFA, sits beside a sleek, powerful rocket engine, representing direct conventional investment leveraging.

IFA vs. Conventional Investment Loans: An Accountant’s Guide to Leverage

For accountants advising high-net-worth clients, it’s crucial to understand the difference between conventional investment loans and an Immediate Financing Arrangement (IFA). This guide compares their strategic purpose, risk profiles, and tax-effective repayment methods to help you guide clients to the appropriate choice.

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Abstract architectural image comparing two concepts. A solid, powerful monolith in a rich plum color represents the Infinite Banking Concept, contrasting with an adjoining structure that implies the team-based Immediate Financing Arrangement.

IFA vs. Infinite Banking: A Made-in-Canada Clarification for Accountants

A detailed comparison for Canadian accountants on the Immediate Financing Arrangement (IFA) vs. the Infinite Banking Concept (IBC). This guide breaks down the mechanics, risks, and critical tax differences, highlighting why the IFA’s team-based approach provides crucial checks and balances not always present with IBC.

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An isometric 3D landscape depicting two financial strategies, with upward-growing plum-colored crystals symbolizing wealth accumulation (IFA) on one side, and a serene, silver river representing retirement income (IRP) on the other.

IFA vs. IRP: An Accountant’s Guide to Strategic Selection

A detailed comparison for Canadian accountants of the Immediate Financing Arrangement (IFA) and the Insured Retirement Plan (IRP). Learn the mechanics, risks, and ideal client profiles to determine which leveraged insurance strategy is the right fit.

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A classic, ornate gold key and a modern key made of a circuit board are displayed side-by-side, symbolizing the choice between a traditional HELOC and a complex IFA.

IFA vs. HELOC: An Accountant’s Guide to Choosing the Right Leverage Tool

For accountants advising clients on leveraged investing, this guide compares the Immediate Financing Arrangement (IFA) and the Home Equity Line of Credit (HELOC). Learn the critical differences in collateral, risk, and tax efficiency, especially the unique corporate advantages of an IFA, like the Capital Dividend Account (CDA).

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An abstract, gold, all-weather vehicle navigating a split landscape, with calm water in the foreground and a rocky terrain behind, symbolizing the resilience of an IFA strategy through different economic climates.

How an IFA Performs in Different Economic Climates

For accountants: An analysis of how an Immediate Financing Arrangement (IFA) performs in different economic climates, including high/low interest rates, inflation, and recession.

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A multifaceted crystal prism sits on a textured stone surface, dissecting a beam of light into a vibrant rainbow spectrum, symbolizing a CPA's analysis of a complex IFA loan agreement's risks and components.

Anatomy of an IFA Loan: A CPA’s Guide to Renewals, Guarantees, and Lender Security

A CPA’s guide to the critical risks hidden in an Immediate Financing Arrangement (IFA) loan agreement. Learn to analyze personal guarantees, restrictive covenants, and the lender’s discretionary power during annual renewals.

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Abstract 3D visualization of a financial strategy unwinding, where a single stream of particles cascades downwards and splits into two powerful waterfalls, symbolizing a double tax event.

The Unwinding Dilemma: Calculating the True After-Tax Cost of a Premature IFA Exit

A guide for Canadian accountants on the risks and costs of unwinding an Immediate Financing Arrangement (IFA) prematurely. Learn about the double tax event, crystallizing losses, and the strategic failure of losing the core insurance asset.

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Abstract visualization of tax compliance, with clean parallel lines of data representing fund tracing, and a large, amorphous cloud floating above, symbolizing the looming risk of GAAR.

A CPA’s Review of IFA Tax Compliance: Interest Deductibility, Collateral Insurance, and GAAR

A CPA’s review of the key tax compliance risks in an Immediate Financing Arrangement (IFA). This guide covers interest deductibility, the collateral insurance deduction, and the General Anti-Avoidance Rule (GAAR).

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