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 your Tax-Deferred Retirement Accounts into your Tax-Free Savings Account (TFSA) with minimal tax leakage.

TMAX Combines Three Established Canadian Financial Principals

#1 – Utilize your Retirement Accounts to invest in a mortgage security. There are a variety of options, including a self insured CMHC mortgage or an investment in shares of a Mortgage Investment Corporations (MIC). Both options are fixed income securities, fully eligible to be held in your registered investments and/or corporate accounts. You can even repurpose and existing mortgage. Selecting the right mortgage structure is a decision based on assessment of your balance sheet in consultation with M-Link, your financial advisor and your accountant. 

#2 – Borrow to invest in a non-registered and taxable environment – all  interest is then tax-deductible to you on your income tax returns.

#3 – Systematically meltdown your Retirement Accounts each month by making monthly taxable withdrawals, which will be offset with a 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, resulting in thousands of tax dollars saved each and every year of retirement – for life.