How to Build a Tax-Free Pension for Life

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

Building a Tax-Free Pension for Life

Our cash-flow neutral, fully automated service 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 Accounts to invest in our specific purpose 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 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 Retirement Accounts each month by withdrawing only enough to exactly offset the tax deduction earned in step 2.

Properly structured under CRA rules, taxable income from Registered and/or Corporate Investment Account is used to fund tax deductible interest payments to a TFSA mortgage investment. A tax-neutral transfer of Registered and/or Corporate Account into a TFSA results in tens of thousands of tax dollars saved each and every year of retirement.