Greg Rozdeba

Most incorporated professionals know the Capital Dividend Account exists. Few know how to fund it strategically.

The most effective method: corporate-owned life insurance. The death benefit credits the CDA dollar for dollar — and pays out to shareholders completely tax-free.

No personal tax. No probate. No waiting.

It's the closest thing to a tax-free dividend the Canadian tax code allows. And most advisors never bring it up.

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Term life covers you for a set period. Permanent life insurance covers you for life — and builds cash value along the way.

The cash value grows tax-sheltered, can be accessed during your lifetime, and makes permanent coverage one of the most efficient estate planning tools available to Canadians.

Not the right fit for everyone. But for the right person, it's worth understanding.

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Your work benefits are a starting point. Not a plan.

Most employer group plans cover 1-2x your salary. If you have a mortgage, kids, or a partner who depends on your income, that gap is significant. And when you leave that job — voluntarily or not — the coverage is gone by your last day.

Your own term policy stays with you regardless of where you work, who you work for, or whether you work at all.

Don't confuse having benefits with being covered.

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Corporate tax in Canada is a double-edged sword.

Leave money in your corporation — passive income rules kick in and your small business deduction starts disappearing at $50,000. Take it out as salary or dividends — personal tax takes another 30-50%.

There's no neutral move. Unless you plan for one.

Corporate-owned life insurance shelters retained earnings inside a tax-advantaged policy and pays out through the Capital Dividend Account — completely tax-free. No penalty in. No tax out.

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The biggest misconception about an Insured Retirement Program? That it's a guaranteed retirement plan.

It's not. Your income depends on how the policy performs and what interest rates look like when you borrow. A good advisor stress-tests those outcomes — a bad one only shows you the best case.

Full video on the IRP is live now 👇

Getting money out of your corporation tax-efficiently is one of the biggest challenges incorporated professionals face.

The Capital Dividend Account solves it. Fund it with a corporate-owned life insurance policy and the payout flows to your family completely tax-free — no personal tax, no withholding, no probate.

Your retained earnings work for you, not the CRA.

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Marnie Heffner said something on the new episode that stuck with me: insurance carriers jump on bandwagons — but a trending benefit isn't automatically the right one for YOUR team.

Real plan design starts with knowing your people. Clip from Ep 7 of Keep What You Build 👇 Full episode (link in bio).

The questions job candidates ask have changed — it's not just pay and vacation anymore, it's "do you have a benefit plan?" Marnie Heffner breaks down why employers who can't answer yes lose good people.

Clip from Ep 7 👇 Full episode (link in bio).

"How much does life insurance cost?" is the wrong first question.

The right one: "How much would my family need if I wasn't here?"

Start with the number that actually matters — your mortgage balance, your income, your kids' futures. Then find coverage that meets that number. The cost follows from there.

Most Canadians who start with price end up underinsured. Most who start with need end up surprised by how affordable the right coverage actually is.

Ask the better question first.

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