Amit Dongol- Financial Wealth Planner

04/07/2026

03/29/2026

Financial planning for incorporated professionals = managing taxes, income, and investments efficiently across both business and personal sides.
Key points:
Separate finances → keep business and personal money apart
Pay yourself smartly → use salary, dividends, or both
Optimize taxes → follow Canada Revenue Agency rules and defer taxes when possible
Invest in two places → personal accounts (RRSP, TFSA) + corporate wealth investment strategies
Protect income → insurance (especially disability)
Plan retirement → no pension, so build your own
Work with experts → accountant + financial planner

02/07/2026

Picture this: You've got $200K in retained earnings. It earns 5% interest. Should be $10K in your pocket, right?

Wrong. The CRA takes HALF.

But that's just the beginning...

Once you hit $50K in passive income, they start grinding down your small business deduction.

There IS a way out. A corporate strategy that works like a supercharged TFSA:
→ Your money grows 100% tax-free
→ Access it anytime (no tax triggered)
→ Passes to your family tax-free

One client told us: "I wish I'd known this 10 years ago."

Don't wait 10 years.

👉 Take out few minutes if you qualify and is right fit for your corporation.

P.S. Year-end deadline will approach at a blink of an eye. Yet another year of locked in taxes.

01/31/2026

If foundation is not strong...the financial home can collapse anytime. Let's create a Strategy B to protect your income.

01/30/2026

01/28/2026

Think of assets in broad buckets:

🧱 Real Assets (physical / tangible)

These are things you can touch:
Real estate (homes, rentals, commercial buildings)
Land
Commodities (gold, oil, agriculture)
Equipment / machinery
Collectibles (art, classic cars — higher risk)

📈 Financial Assets
Paper or digital claims on value:
Stocks / equities
Bonds
ETFs / mutual funds
Cash / savings
Private equity
Options / derivatives (advanced)

🏢 Business Assets
Ownership in businesses:
Your own company
Private corporations
Partnerships
Professional practices

🛡️ Contractual / Structured Assets
Assets created by contracts:
Whole life insurance cash value
Annuities
Pension entitlements
Royalties
(These are often overlooked but very real.)

🧠 Intangible Assets
Non-physical value drivers:
Intellectual property
Patents / trademarks
Brand
Client lists
Skills (not balance-sheet assets, but income-producing)

Why people talk about real estate so much

Real estate gets attention because it:
Uses leverage easily
Produces cash flow
Has tax advantages
Feels “real” and understandable
…but it’s not automatically superior. It’s just one tool.

Smart investors usually hold multiple asset classes so they’re not dependent on a single strategy.

Simple takeaway

Real estate is one asset.

Wealth is built by owning diversified income-producing assets, not by betting everything on one category.

01/27/2026

Wealth creation usually starts from mindset and habits, then turns into action.
In simple terms, it flows like this:
1. Thinking differently
Wealth starts with how you think about money — learning, planning, being patient, and believing you can improve your situation.
2. Skills and knowledge
People create wealth by building useful skills (school subjects, trades, business skills, tech, communication, etc.) and learning how money works.
3. Earning
You use those skills to earn income — through a job, business, or projects.
4. Saving and managing money
Keeping part of what you earn, budgeting, and avoiding waste is where real progress begins.
5. Investing and growing
Saved money is then invested (education, small businesses, or other assets) so it can grow over time.
So at its core:
👉 Wealth creation starts in the mind, grows through skills, and multiplies through discipline and smart use of money.