Industry · Holding companies
Your holdco isn't a dividend mailbox. It's a wealth-building tool.
Many holding companies are asleep: investments with no tax strategy, tax accounts (RDTOH, CDA) nobody tracks, opportunities missed every year. We wake them up.
Compliance without friction
Holdco financial statements and T2, tracking of intercorporate dividends and notes, corporate records coordinated with your lawyers. Rental buildings? RL-31 slips and taxes on commercial rents included.
Investment taxation
Investment income, RDTOH and CDA accounts optimized: taking the right dollar, from the right account, at the right time: every year.
Retirement & transfer
Planned drawdown, estate freeze, family trust, corporately-held insurance: your holdco becomes the vehicle for your retirement and your legacy.
A four-point annual review
Every year, your structure gets a full check-up:
- Does the structure still match your goals (growth, sale, succession, retirement)?
- Are operating-company surpluses sheltered in the holdco?
- Are tax accounts (RDTOH, CDA, GRIP) being used, not just calculated?
- Is your total compensation still the right mix?
Typical structure
Owner with an operating company
You (and your family)shareholders
↓
Holding companyinvestments, real estate
↓
Operating companyoperations, risk
Surpluses protected, tax deferred✓
Simplified illustration: every structure is custom-designed.
FAQ · holdco
Shareholder questions
Do I really need a holding company?
Not always. If your operating company generates recurring surpluses you don't need to spend, or if you're approaching a business sale, a holdco offers protection and tax flexibility. Otherwise it may just be an extra cost. We'll give you a straight answer.
My holdco exists, but nobody manages it. Where do I start?
With a diagnosis: a review of the latest financial statements, tax accounts and shareholder agreement. In one meeting, you'll know what's dormant, what's urgent and what's worth fixing.
Do you work with my investment advisor?
Yes, and it's essential: corporate portfolio taxation is decided as much in product selection as in the filing. We speak directly with your advisor so both sides pull in the same direction.
My holdco owns rental buildings. What does that change?
Several things: RL-31 slips for your Québec residential tenants, GST/QST registration and collection on commercial rents, per-building income and expense tracking, and the tax treatment of renovations. We keep these obligations current and integrate real estate into the rest of your structure.
Has your structure been reviewed in the last 3 years?
If the answer is no, now is the time.