Greg Rozdeba

Call Directions Website Contact the business

Greg Rozdeba Helping Canadian business owners keep more of what they build | Co-Founder | Tax strategies, COLI, estate planning.

10/10/2026

A Thanksgiving weekend question: do you know the names of your great-grandparents?

Mark Halpern asks what would change if a $10,000 cheque arrived from one of them every January. You'd remember the name.

▶️ Full episode: https://youtu.be/WRw0PA4Uwbk

10/09/2026

A $1.5 million term policy the client was about to cancel, and he'd become uninsurable. Mark Halpern, CFP, TEP, explains how it was converted and donated to a Canadian university instead, and why an old policy isn't always worthless.

▶️ Full episode: https://youtu.be/WRw0PA4Uwbk

10/08/2026

"Giving to charity is not about disinheriting your kids. It's about adopting causes you care about and disinheriting the tax department." Mark Halpern, CFP, TEP, on the incentives the government offers to give, and why almost nobody talks about them.

▶️ Full episode: https://youtu.be/WRw0PA4Uwbk

Ep 13 is live: Disinherit the CRA, with Mark Halpern, CFP, TEP, MFA-P.Every estate has three possible heirs: family, cha...
10/08/2026

Ep 13 is live: Disinherit the CRA, with Mark Halpern, CFP, TEP, MFA-P.

Every estate has three possible heirs: family, charity and the government. Mark shows how business owners can choose family and charity, including four ways a life insurance policy can turn a tax bill into a gift.

▶️ Watch: https://youtu.be/WRw0PA4Uwbk

The question I get most when I explain an Individual Pension Plan to a business owner: "Wait, I can catch up?"Often, yes...
10/05/2026

The question I get most when I explain an Individual Pension Plan to a business owner: "Wait, I can catch up?"

Often, yes. An IPP can recognize the years you've already paid yourself a salary, sometimes back to the day you incorporated. Part of that is funded by moving over existing RRSP assets, and part by new corporate contributions the company deducts.

It isn't for everyone. There are setup and actuarial costs, the money is locked in, and it generally only makes sense if you're over 40 and on a T4 salary. For the right owner it is one of the better tools available. For the wrong one it's overkill.

Tomorrow night I'm hosting a live session on it with Fraser Lang, SVP at GBL Inc., who has spent his career on these plans. We'll cover how it works, what it costs, and how to tell which side of that line you're on.

Tue Oct 6 · 7 PM ET / 4 PM PT · Free · Live Q&A

Link in the first comment.

09/29/2026

"My business is my retirement plan." Frank Restorick, CFP®, hears it every week. Then he asks: who's going to buy it, and for how much? That's usually where the room goes quiet.

Where a real plan starts: when you want out, what income you need, and what's already in your RRSP, TFSA and CPP.

▶️ Full episode: https://youtu.be/A8txq_w5FR0

09/28/2026

How a corporate-owned policy actually works, from Frank Restorick, CFP®: move retained earnings into the contract, it compounds tax-free with a guaranteed annual dividend, and you can borrow against it for real estate or anything else. Funded with corporate profits, so it's built for incorporated owners.

▶️ Full episode: https://youtu.be/A8txq_w5FR0

09/25/2026

In Canada, tax-free is rare. Frank Restorick, CFP®, counts the list on one hand: your principal residence, your TFSA, and a couple of strategies around corporate life insurance. The one most owners forget is their small business deduction. Taking full advantage is a huge planning move, but there are steps to set it up right.

▶️ Full episode: https://youtu.be/A8txq_w5FR0

09/24/2026

Banks love lending against corporate-owned whole life insurance. Frank Restorick, CFP®, explains why: a guaranteed dividend every year, a death benefit that clears the loan, easily assigned as collateral. "It has the insurance component for sure, but it also acts as an asset."

The caveat: you have to be healthy enough to qualify, and some people wait too long.

▶️ Full episode: https://youtu.be/A8txq_w5FR0

Address

Toronto, ON

Telephone

(888)2995569

Website

Alerts

Be the first to know and let us send you an email when Greg Rozdeba posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.

Contact The Business

Send a message to Greg Rozdeba:

Shortcuts

Share

Category