Épisodes

  • Dividends vs Salary in Canada | FPCBO 135

    Dividends vs Salary in Canada | FPCBO 135
    Jul 10 2025
    Are dividends always the best way to pay yourself from your corporation? Think again. In this video, we'll explore whether dividends truly offer tax benefits compared to salary. We'll break down the numbers using real examples and explore the implications for your taxes and retirement planning. Learn about the hidden costs and benefits of both options and discover why a mix of salary and dividends might be the best choice for you. Don't let conventional wisdom steer you wrong—watch now to make an informed decision for your financial future.

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    7 min
  • Should I Incorporate My Business? | FPCBO 134

    Should I Incorporate My Business? | FPCBO 134
    May 9 2025

    Thinking about incorporating your small business in Canada? Hold on! This video breaks down why staying a sole proprietorship could save you thousands of dollars and even let you deduct your mortgage interest. We'll cover what a sole proprietorship is, its advantages and disadvantages, and reveal two tax planning strategies that are exclusive to sole proprietors. Discover how to deduct business losses and utilize the cashflow-damming strategy to maximize your tax savings. Start smart and learn why sole proprietorship might be the right choice for you.


    *FPCBO 131 - Is Your Share Structure Making Your Business Sale Taxable?

    https://youtu.be/hjLmFJAV-CU


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    6 min
  • The Realities of Selling to Private Equity | FPCBO 133

    The Realities of Selling to Private Equity | FPCBO 133
    May 1 2025
    Join Jason Pereira and business lawyer Rachel Wasserman on this week's episode of Financial Planning for Canadian Business Owners as they delve into the intricacies of private equity. Learn about the different segments of private equity, the motivations behind selling your business to a private equity firm, and the potential long-term impacts on your business. Rachel shares her unique career journey and valuable insights on business transitions, succession planning, and the realities of private equity acquisitions. Whether you're contemplating selling your business or curious about private equity, this episode offers critical perspectives and practical advice.

    Hosted on Acast. See acast.com/privacy for more information.
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    38 min
  • Tax & Legal Implications Of Selling Your Business | 132

    Tax & Legal Implications Of Selling Your Business | 132
    Apr 24 2025
    In this informative episode, Jason Pereira, a senior partner and financial planner, provides a detailed breakdown of the two main approaches for selling or exiting a business: share sales and asset sales. He compares these approaches to selling a house versus selling the furniture inside. Key points addressed include tax implications, legal liabilities, and the overall sale process for each method. Key takeaways include how share sales can offer tax advantages like the lifetime capital gains exemption and simpler transaction mechanics, while asset sales can result in a more complex and paperwork-heavy process but allow the buyer to cherry-pick desired assets. This comprehensive guide aims to help Canadian small business owners make informed decisions when planning their business exit.

    Hosted on Acast. See acast.com/privacy for more information.
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    29 min
  • Is Your Share Structure Making Your Business Sale Taxable? | 131

    Is Your Share Structure Making Your Business Sale Taxable? | 131
    Apr 17 2025

    Wondering if selling your Canadian business will incur significant taxes? Learn about the Lifetime Capital Gains Exemption (LCGE) and how it can save you up to $1.25 million in tax-free capital gains as of 2025. Jason Pereira, senior partner and financial planner at Woodgate Financial, breaks down the eligibility criteria and tests your business “must meet” to qualify, and how improper planning can lead to costly tax liabilities. Discover actionable steps for structuring your business to maximize tax savings and multiply exemptions across family members.


    Tune in to ensure your hard-earned success isn't overshadowed by unexpected tax surprises.


    Don't forget to like, subscribe, and leave a comment!

    Hosted on Acast. See acast.com/privacy for more information.
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    11 min
  • Wait, What's My Capital Gains Tax Rate? | 130

    Wait, What's My Capital Gains Tax Rate? | 130
    Apr 10 2025
    In this episode, Jason delves into the tumultuous developments in capital gains taxation in Canada over the past year. From initial changes announced by the Trudeau government to the ensuing financial planning frenzy, and culminating in the resignation of the Prime Minister and a subsequent lawsuit, this video clarifies what capital gains are and how they are taxed. We examine the impact of proposed changes on investors, including those involving corporate and personal tax rates, and discuss the ultimate resolution with the election of Mark Carney as Liberal leader. Finally, we consider new proposals from opposition leaders that could affect future taxation. Stay informed on this rollercoaster of tax policy changes and their implications for Canadian investors.

    Hosted on Acast. See acast.com/privacy for more information.
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    9 min
  • What To Look For When Onboarding | 129

    What To Look For When Onboarding | 129
    Apr 3 2025
    In this episode of Financial Planning for Canadian Business Owners, host Jason Pereira and guest Harold Geller discuss critical aspects of onboarding with a financial advisor. They delve into the importance of financial planning, understanding client-focused reforms, and distinguishing between competent advisors and salespeople. Learn about the significance of plain language communication, proper risk assessments, and the pitfalls of high-fee products. Get insights on how thorough information gathering and educational discussions set the foundation for a long-term professional relationship with your advisor.

    Hosted on Acast. See acast.com/privacy for more information.
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    33 min
  • Treasury Services | 128

    Treasury Services | 128
    Mar 27 2025
    In this episode of Financial Planning for Canadian Business Owners, host Jason welcomes John Pelley, Co-founder and CEO of Colibri Financial Services Agents. John explains how Colibri offers fractional treasury manager services, diving into the intricacies of optimizing banking fees, loan structures, and merchant services for small businesses. They discuss why typical banking relationships are suboptimal and how Colibri provides a tailored review to unlock potential savings. John shares insights on how often businesses should revisit their financial structures and provides advice for small businesses on working effectively with banks. Tune in to understand the importance of competitive banking and the benefits of outsourcing treasury services.

    Hosted on Acast. See acast.com/privacy for more information.
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    21 min