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SoloCRA Takes 54% Of Your RRSP When You Die (Unless You Do This)
How a $1 million RRSP can create a $500,000+ tax bill at death – and the little-known planning strategy that may help families keep far more of their wealth.
- RRSP
- Family Trust
- Beneficiary Designations
SoloEstate Planning Explained: Will vs. Trust In Canada
How wills, beneficiary designations, joint ownership, and trusts actually control your assets in Canada – and why many families discover critical estate planning gaps only after a crisis occurs.
- Estate Planning
- Family Trust
- Income Splitting
Solo3 CRA Powers Coming In 2026 Will Ruin You
How the government's proposed CRA powers could expand audits through taxpayer interviews, daily penalties, and broader enforcement against Canadians.
- CRA Audit
- CRA Powers
- Wills & Estates
SoloCRA Can See Your Crypto Wallet — Now
How CRA traces crypto activity through exchanges, banks, blockchain analysis, and global reporting systems – turning supposedly "private" wallets into fully auditable financial records.
Latest Episodes
All episodes →- Solo
CRA Takes 54% Of Your RRSP When You Die (Unless You Do This)
How a $1 million RRSP can create a $500,000+ tax bill at death – and the little-known planning strategy that may help families keep far more of their wealth.
- RRSP
- Family Trust
- Beneficiary Designations
SoloYour Family Can Save 12K A Year Through This Tax Strategy
How Canada's 3% prescribed-rate trust strategy can legally shift investment income to children – but new AMT rules may now reduce or even reverse the tax savings.
- Family Trust
- Tax Planning
- Solo
Estate Planning Explained: Will vs. Trust In Canada
How wills, beneficiary designations, joint ownership, and trusts actually control your assets in Canada – and why many families discover critical estate planning gaps only after a crisis occurs.
- Estate Planning
- Family Trust
- Income Splitting
SoloThe Airbnb Tax Nobody Knows About
How Airbnb income can quietly transform your home into a taxable commercial property – triggering unexpected HST, loss of principal residence treatment, and massive tax exposure on sale.
- Business Owners
- Business Sale
- Legal Perspective
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Estate Planning Checklist for Business Owners
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Prescribed Rate Loan Family Trust – Tax Savings Model
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From the Blog
All posts →The RRSP Trap: Why CRA Takes 54% Of Your RRSP When You Die (And How To Stop It)
A $1 million RRSP can trigger a $540,000 tax bill at death. Learn the little-known strategy that can legally reduce that tax burden and preserve more wealth for your family.
CRA's New Audit Powers — 2026 Update: What's Dropped, What's Still Coming
Update: the CRA's most-feared new power — compelling answers under oath — was dropped from Bill C-31, and the rest aren't law yet. Here's what's actually proposed (notice of non-compliance, a 10% penalty, stop-the-clock) and what the CRA can already do today.
CRA Bare Trust Rules 2026: Joint Accounts & Family Explained
Are joint bank accounts a bare trust? With Bill C-15 now law, here's what the 2026 CRA bare-trust rules mean for joint accounts, parent–child accounts, in-trust-for accounts, and a parent on title of a home — in plain English.