How TMAX Works

TMAX, a Powerful Financial Planning Tool

TMAX is a game changer for Canadians looking to minimize tax impacts throughout:

  • Retirement

  • Estate Planning

  • Wealth Transfer

  • Real Estate Investing

  • Corporate Passive Income Management

 

Our cash-flow neutral, fully automated cash management plan is wrapped around mortgage investments that effectively reallocate assets from a Tax-Deferred Registered Savings Plan (RRSP / RRIF / LIRA / LRSP / IPP) and/or Corporate Accounts into a Tax-Free Savings Account (TFSA) with no tax leakage.

TMAX combines three long-established principles of Canadian financial planning.

3 Established Canadian Financial Principals

#1 – Utilize your Retirement and/or Corporate Accounts to invest in our specifically designed Mortgage Investment Corporations (MICs) that are fixed income securities, fully eligible to be held in your registered investments and/or corporate accounts.

#2 – This will allow you to then borrow from your own Retirement and/or Corporate Accounts to invest in a non-registered and taxable environment – all accrued interest is then tax deductible to you on your personal income tax returns.

#3 – Then, systematically meltdown your RRSP / RRIF / LIRA / LRSP / IPP and/or Corporate Investment Account each month by withdrawing only enough to exactly offset the tax deduction earned in step

Properly structured under CRA rules, taxable income from an RRSP / RRIF / LIRA / LRSP / IPP and/or Corporate Investment Account is used to fund tax deductible interest payments to a TFSA mortgage investment. A tax-neutral transfer of an RRSP / RRIF / LIRA / LRSP / IPP and/or Corporate Account into a TFSA results in hundreds of thousands to millions of tax dollars saved!