Maple Groove Wealth Planners
Designed Securities Ltd.
Insights

Financial Intelligence
For Canadians.

In-depth analysis on wealth planning, tax strategy, retirement, and Canadian investment markets.

Corporate Wealth

Holdco Investment Strategy: Managing Passive Income Rules in Canada

Learn how Canadian business owners can optimize their holding company investments to mitigate the passive income tax grind and protect their Small Business Deduction.

7 min read·June 2026
Retirement Planning

IPP vs. RRSP: Which Delivers More for Canadian Business Owners?

For incorporated professionals earning over $150,000, an Individual Pension Plan can provide dramatically higher tax-deductible contributions than an RRSP. We break down the math.

8 min read·April 2026
Mortgage Strategy

The Smith Manoeuvre in 2026: Is It Still Worth It?

Converting non-deductible mortgage interest into tax-deductible investment loan interest remains one of the most powerful wealth-building strategies for Canadian homeowners, if executed correctly.

6 min read·March 2026
Tax Planning

Salary vs. Dividend in 2026: The Optimal Split for Your Corporation

With the latest federal and provincial tax changes, the optimal salary/dividend mix has shifted. Here is our updated analysis for incorporated professionals across Canada.

10 min read·March 2026
Investing

Canadian Geographic Diversification: Why Province Matters

Most Canadian investors are overweight Ontario and underweight the resource-heavy West. Our fund map tool visualizes where your money is actually deployed across Canada.

5 min read·February 2026
Estate Planning

The Probate Problem: How to Transfer Wealth Without Losing 1.5%

Ontario's probate fees can consume a significant portion of an estate. We outline five strategies, from beneficiary designations to alter-ego trusts, that can minimize or eliminate this cost.

7 min read·February 2026
Retirement Planning

CPP Enhancement: Maximizing Your Canada Pension Plan Benefit

The enhanced CPP is now fully phased in. For those still in their accumulation years, the decision of when to take CPP can mean a difference of over $200,000 in lifetime benefits.

9 min read·January 2026
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