Tim Lau CEA, CLU, CFP, TOT

Tim Lau CEA, CLU, CFP, TOT Tim Lau is recognized by high-net-worth families for corporate tax savings and legacy planning.

With 20+ years experience and 15 consecutive years as MDRT Top of the Table, he helps successful families plan with clarity, structure, and long-term vision.

Last Sunday in Calgary, I had the privilege of leading another GT Wealth private fine dining conference at Chairman's St...
08/26/2026

Last Sunday in Calgary, I had the privilege of leading another GT Wealth private fine dining conference at Chairman's Steakhouse , meeting with physicians and dentists who are actively thinking about how to better structure the wealth they have built inside their professional corporations.

Our discussion focused on two key topics:
- How Physicians and Dentists Can Access Corporate Wealth While Reducing Unnecessary Tax Leakage
- Turn $1M+ of Corporate Wealth Into Personal Wealth More Tax-Efficiently for Home Purchases, Retirement, and Family Legacy Planning

For many incorporated professionals, the question is no longer only about earning more or accumulating more inside the corporation. The greater planning issue is how to access corporate wealth personally, reduce unnecessary tax leakage, support major family decisions, and prepare for retirement and legacy planning with greater clarity.

Thank you to everyone who joined us in Calgary.

Effective planning begins when wealth is viewed as a structure, not just an account balance.

This past weekend, I had the privilege of leading our team through a series of private fine dining conferences in BC, me...
08/19/2026

This past weekend, I had the privilege of leading our team through a series of private fine dining conferences in BC, meeting with physicians and dentists in Downtown Vancouver and Victoria.

The strong response across these sessions reflected something very clear: many incorporated medical professionals are looking for more strategic ways to understand, access, and preserve the wealth they have built inside their professional corporations.

Our discussion focused on two important planning topics:

- How Physicians and Dentists Can Access Corporate Wealth While Reducing Unnecessary Tax Leakage

- Turn $1M+ of Corporate Wealth Into Personal Wealth More Tax-Efficiently for Home Purchases, Retirement, and Family Legacy Planning

For many physicians and dentists, the planning challenge is not only about earning strong income or accumulating corporate assets. The greater question is how to convert corporate wealth into personal wealth efficiently, while supporting retirement, family goals, and long-term estate planning.

A special thank you to our guest speakers, Max Weder, Tax Lawyer, and Nathan D**g, RBC-DI Senior Sales Consultant, for sharing their professional perspectives and contributing to the depth of the discussion.

Thank you to everyone who joined us in Metro Vancouver and Victoria.

Effective planning begins when wealth is viewed as a structure, not just an account balance.

Last week in Toronto, I had the privilege of speaking at 6 private sessions for lawyers, medical professionals, tech ent...
08/05/2026

Last week in Toronto, I had the privilege of speaking at 6 private sessions for lawyers, medical professionals, tech entrepreneurs, and high-net-worth families.

The core discussion was clear:

How can $1M+ of corporate wealth be converted into personal wealth with greater tax efficiency and long-term control?

For incorporated professionals and business owners, accumulating capital inside a corporation is only one part of the equation. The more critical planning issue is how to extract, invest, protect, and transfer that wealth without unnecessary tax leakage.

Across these sessions, we discussed corporate wealth access, tax-efficient cash flow, retirement income, estate liquidity, and legacy planning from an integrated planning perspective.

Thank you to everyone who joined us in Toronto.

Effective wealth planning is not about isolated decisions. It is about structure, timing, and long-term coordination.

The Wealth Architecture Brief | Episode 2: Why Smart Entrepreneurs Issue Unlimited Shares? As a High-Net-Worth planner,...
07/28/2026

The Wealth Architecture Brief | Episode 2: Why Smart Entrepreneurs Issue Unlimited Shares?

As a High-Net-Worth planner, I often remind business owners that long-term success is not built on revenue alone—it also depends on how the company is structured from the beginning.

Issuing unlimited shares can provide greater flexibility to raise capital, introduce family members or investors, and support future ownership planning. For entrepreneurs planning to expand across Canada, federal incorporation may also strengthen brand consistency and simplify nationwide growth.

A well-designed corporate structure is more than a legal formality. It is part of the architecture that protects control, creates options, and supports the company’s next stage of growth.

Educational content only. Consult your own professional advisors.

07/07/2026

How to Turn $1M+ of Corporate Wealth into Personal Wealth Tax-Efficiently?

Many successful professionals and business owners have built significant wealth inside their corporations.

The key question is no longer simply how to accumulate wealth, but:
How can you access corporate wealth more efficiently and in a tax-effective way while avoiding unnecessary tax leakage?

GT Wealth is hosting a series of exclusive fine dining strategy sessions this August in Toronto, Vancouver, and Calgary, bringing together a select group of professionals to explore advanced planning concepts for structuring and accessing corporate wealth more efficiently.

These private sessions are designed for incorporated professionals and business owners who have accumulated—or are expecting to accumulate—significant corporate assets.

Key Discussion Topics
We will explore planning ideas such as:
📍Are you paying unnecessary tax when accessing wealth from your corporation?
📍What opportunities or risks exist when borrowing personally while using corporate assets?
📍How can corporate wealth be structured for goals such as real estate, retirement income, investment growth, and family legacy planning?
📍What are the risks of changing your current structure—and what are the risks of doing nothing as tax rules and personal goals evolve?

At GT Wealth, we look beyond the risk of making changes.
We also help you evaluate the risk of staying the same while corporate wealth continues to grow, tax rules evolve, and financial priorities shift over time.

This is not a product seminar.

It is a strategic wealth planning discussion designed to help professionals identify potential inefficiencies, planning gaps, and opportunities in how corporate wealth is structured and accessed.

What Your Invitation Includes
💡Private fine dining experience
💡Advanced corporate wealth planning discussion
💡Tax-efficient wealth access strategies
💡Insights on retirement, real estate, and legacy planning
💡Access to highlights, testimonials, and Q&A from previous sessions after registration

📍 Upcoming Sessions
Our next round of conferences will be held across:
Toronto | Vancouver | Calgary (August)

To learn more about GT Wealth and explore whether this session is relevant to your professional situation, visit:
👉 https://gtwealth.ca/

07/03/2026

👨‍⚕️ Physicians Only | Private Corporate Wealth Dinner

Many successful Physicians, specialists, incorporated medical professionals, and clinic owners have built significant wealth inside their professional corporations.

The bigger question is no longer simply how to earn more.
The bigger question is:
How do you access your corporate wealth more tax-efficiently without creating unnecessary tax leakage?

Join GT Wealth for an exclusive complimentary fine dining session designed specifically for Physicians who have accumulated—or expect to accumulate—significant corporate wealth.

Featured Discussion
Turn $1M+ Corporate Wealth Into Personal Wealth More Tax-Efficiently
For:
✅ Home Purchases
✅ Retirement Income
✅ Investment Growth
✅ Family Legacy Planning

During this private session, we will discuss:
• Are you paying unnecessary tax when accessing wealth from your corporation?
• Could ITA 20(1)(e) and ITA 15(1) create planning opportunities—or costly mistakes—when borrowing personally while using corporate assets?
• How Physicians may access corporate wealth more efficiently for home purchases, retirement income, investment growth, and family legacy planning.
• What are the risks of making changes—and what are the risks of continuing to do the same thing year after year?

At GT Wealth, we do not only evaluate the risks of changing your current structure. We also help Physicians evaluate the risks of staying the same while corporate wealth continues to accumulate, tax rules evolve, and personal goals become more important.

________________________________________
📅 Choose Your Session
📍 EPOCH · The Ritz-Carlton Toronto
181 Wellington St W, Toronto, ON M5V 0A1
Sunday, August 2, 2026
Lunch: 12:00pm – 3:15pm
________________________________________
📍 Harbour 60 Toronto
60 Harbour St, Toronto, ON M5J 1B7
Saturday, August 1, 2026
Dinner: 5:00pm – 8:15pm
Sunday, August 2, 2026
Dinner: 5:00pm – 8:15pm
________________________________________

🎟 First 10 confirmed Physicians receive a complimentary fine dining ticket valued at $500.
👉 Registration: https://doctor.gtwealth.ca/landingpage

💼 As a high-net-worth planner, I often see business owners focus only on two common ways to withdraw money from their co...
06/18/2026

💼 As a high-net-worth planner, I often see business owners focus only on two common ways to withdraw money from their corporation: salary or dividend.

In many cases, these are the standard options discussed at tax filing time. But tax filing and tax planning are not the same thing.

For suitable business owners, there may be other planning approaches worth reviewing. One example is Asset Transfer Withdrawal, which involves restructuring existing personal assets into a corporate structure. This is not a product purchase. It requires proper legal documentation, valuation, and professional review. 📑

The key question is not simply:
“How do I take money out of my company today?”

The better question is:
“How can my corporate structure, personal assets, and long-term family goals work together more efficiently?” 🏢📈

Assets such as personal real estate, life insurance, vehicles, or memberships may need to be reviewed depending on the situation.

Every case is different. The right structure depends on your assets, valuation, corporate setup, and long-term objectives.

Educational content only. Please consult your own legal, tax, and financial advisors.

06/16/2026

💼 Your company made $100,000…
How would you take it out for yourself? 🤔💰

Many business owners think there are only two choices:

❤️ Pay yourself a salary
👍 Pay dividends
😂 I thought these were the only two options!

But under the right circumstances, there may be another planning direction to consider. Through strategies such as Asset Transfer Withdrawal, company funds may potentially be handled in a different way, especially when personal assets, company structure, retirement income, and legacy planning are reviewed together. 🏢📊🏠

This is not about buying a product. It is about understanding whether your current assets and company structure can be planned more efficiently.

📩 Have questions? Email us: [email protected]

Remarks: Educational content only. Please consult your own professional advisors.

06/12/2026

💡 Can you reduce taxes while growing your assets?

For many families, retirement is not only about how much you saved — it is about how much you can actually keep. 🏡

Taxes, withdrawals, investment income, and estate planning can all affect the final result.

In this video, Tim Lau explains why tax efficiency and asset growth should be reviewed together, especially for families thinking about retirement income and long-term wealth transfer.

📌 Tax & Wealth Insights
Can You Reduce Taxes While Growing Your Assets?

📩 Questions? Email us at [email protected]

Educational content only. Please consult your own professional advisors.

The Wealth Architecture Brief | Episode 1: The Art of Withdrawing RRSP & RRIFFor many physicians and incorporated profe...
06/08/2026

The Wealth Architecture Brief | Episode 1: The Art of Withdrawing RRSP & RRIF

For many physicians and incorporated professionals, the real planning challenge is not only how much income is earned, but how that income is structured, taxed, invested, and eventually transferred.

In this educational series, I will share practical planning concepts designed for high-income professionals and affluent families who want more clarity around tax efficiency, wealth accumulation, and long-term estate outcomes.

This first topic focuses on RRSP and RRIF withdrawal planning.

RRSPs are tax-deferred, not tax-free. Without proper planning, future RRIF withdrawals may increase taxable income, trigger OAS clawbacks, and create estate tax pressure. In some cases, strategies involving structured withdrawals, interest deductibility, permanent life insurance, and investment planning may help improve long-term outcomes.

The goal is not theory. The goal is structure, numbers, and practical planning.

Educational content only. Consult your own professional advisors.

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405/6388 No. 3 Road
Richmond, BC
V6Y0L4

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