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Effective Tax Strategies

This session discusses various tax saving tips including income splitting, maximizing tax credits and deductions, investing in registered accounts, using life insurance, and more.  

Navigating Canada’s tax system can feel overwhelming, but strategic planning unlocks significant savings. This session cuts through the complexity to deliver practical, real-world tactics for individuals and families. You’ll learn how to legally minimize your tax burden by:

• Income Splitting: Leverage family partnerships and loans while avoiding attribution rules.
• Maximizing Credits/Deductions: Identify overlooked opportunities (e.g., medical expenses, caregiver credits, home office deductions).
• Registered Account Mastery: Optimize RRSP, TFSA, and FHSA contributions for immediate refunds and tax-free growth.
• Life Insurance Integration: Use policies as tax-efficient investment tools and estate planning vehicles.

Beyond the basics, we’ll explore advanced strategies like charitable donation stacking, capital gains exemptions, and business income sprinkling. Whether you’re self-employed, investing, or planning retirement, you’ll leave with a customized action plan to retain thousands in annual income. Expect clear examples, CRA-compliant approaches, and Q&A time to address your unique situation.

Part of RPL's commitment to supporting financial literacy and economic development in Regina. If you have any questions about our Business, Personal Finance or Careers programs, please contact Tim at 306-777-6013 or txie@reginalibrary.ca     

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