DO FINANCIAL

DO FINANCIAL Call us today to learn more!

► WHO WE HELP
•People who are tired of rules taking away their control – face masks, vaccines, banking, investing and borrowing.
•People who are tired of the high fees they are paying to invest money and getting no guarantees.
•People who are tired of the risk levels they are taking on their investments with no protection from economic tsunamis.
•People who are tired of having to jump through the

hoops to borrow money.
•People who are tired of not recapturing tens and hundreds of thousands of dollars in credit card, car loan and mortgage interest.
•People who are tired of lack of time. We show you how you can take back control of your money, dramatically reduce fees and risk, recapture hundreds of thousands in loan interest, gain protection and guarantees and still get the same, maybe better, returns you’re get now. Learn how to create an unfair advantage for you and your business here: https://www.dofinancial.ca/pages/infinite-banking

► OUR EXPERTISE: We help high income/net worth people and their businesses create more wealth, take back control, reduce risk and fees, recapture hundreds of thousands of dollars of loan interest with protection and guarantees using the secrets of the wealthy.

► HOW WE GET THINGS DONE: We specialize in helping high income individuals and businesses understand a lot of what they’ve been taught about money is wrong and teach them the truth about money and strategies the wealth use. How do you think the wealthy became wealthy and get wealthier?

► WHAT OTHERS SAY: Dave, I find your service and dedication to be first rate. I am impressed with your knowledge of the industry and your ability to deliver the right product at a competitive price.” Jason Ball, G.S.G., President of Ball Construction Ltd.

“Dave has been very good in helping us sort out my financial and insurance needs. He took confusion and focused us on what was important to our future.” Russ Weir, CPA, CA of BDO Canada LLP

► CONTACT: Set up a time with me here to learn more about the lies and truths about money and how to correct your path to better wealth: URL: https://www.dofinancial.ca/pages/book-a-conversation

🚫 What most business owners don’t realize…You can build tax-efficient capital inside your corporation—without triggering...
05/21/2026

🚫 What most business owners don’t realize…
You can build tax-efficient capital inside your corporation—without triggering annual tax drag.

👉 It’s called Corporate-Owned Life Insurance (COLI)

Used properly, this strategy may help:
✅ Grow wealth on a tax-deferred basis inside the policy - some refer COLI to a "TFSA on Steroids" but marketing rules will not allow me to claim that
✅ Create a tax-efficient death benefit, with amounts potentially flowing through the Capital Dividend Account (CDA)
✅ Improve retirement income flexibility
✅ Support estate and legacy planning objectives
✅ Retain your loan payment capital

💡 This isn’t a replacement for RRSPs, TFSAs, or IPPs—but for incorporated business owners, it can be a powerful complement when coordinated with your broader tax strategy.

🤝 The real value comes from proper design and collaboration with us and your CPA and tax advisor.

⚠️ Not suitable for everyone. Outcomes depend on case by case basis, underwriting, and implementation under the Income Tax Act.

📩Curious if this fits into your corporate structure?
Send me a message or comment “COLI” and I’ll walk you through how it works.

🚨 Most individuals and incorporated business owners never calculate this…Not their interest rate.Not their mortgage bala...
05/20/2026

🚨 Most individuals and incorporated business owners never calculate this…
Not their interest rate.
Not their mortgage balance.
👉 The lifetime cost of using external financing for everything.

💡 Consider an example:
If combined mortgage + vehicle payments equal ~$4,200/month:
➡️ 5 years → ~$250,000 💸
➡️ 10 years → ~$504,000 💰
➡️ 20 years → ~$1,008,000 📈
➡️ 30 years → ~$1,512,000 🏆
➡️ 40 years → ~$2,016,000 🏡

💥 That’s over $2M of capital redirected over time
And that’s before considering opportunity cost or lost control of capital.

🔍 Here’s the part most people miss:
It’s not just about how much debt you have…
👉 It’s about where the financing comes from
👉 And who controls the capital over time

✅ This is where alternative strategies may be considered
In my work with incorporated business owners, we explore:
• Structuring capital more intentionally
• Integrating strategies such as corporate-owned life insurance
• Applying principles often referred to as “Infinite Banking” (IBC) as the only way to retain loan capital
• Coordinating with your CPA and tax lawyer

📌 The objective isn’t to eliminate lending—
It’s to re-think how financing decisions impact long-term wealth and control.

⚠️ Important:
Infinite Banking is a conceptual approach to managing capital flow. It may not be suitable for all individuals and requires appropriate structuring and professional guidance.

📩 If you’ve never evaluated your financing strategy from this perspective, a second opinion may help provide clarity. Message me.

⚠️ Illustrative example only. Assumes ~$4,200/month in combined payments. Not tax, legal, or investment advice. Individual circumstances will vary.

🚨 Most incorporated business owners never calculate this…Not their tax rate.Not their deductions.👉 The lifetime cost of ...
05/19/2026

🚨 Most incorporated business owners never calculate this…
Not their tax rate.
Not their deductions.
👉 The lifetime cost of overpaying tax.

Let’s keep it simple:
If you’re overpaying by $100,000/year:

10 years → $1,000,000
20 years → $2,000,000
30 years → $3,000,000
40 years → $4,000,000

💥 That’s before factoring in compounding.

Here’s the issue:
It’s not that the strategies don’t exist…
It’s that they’re not always coordinated or implemented.

✅ Strategies like:
• CDA optimization
• Corporate-owned life insurance
• IPPs and RCAs
…often sit at the intersection of tax, legal, and financial planning.

📌 Which means without coordination,
they may simply never get used.

I work with incorporated business owners to help identify and connect these opportunities—in collaboration with their existing advisors.

📩 If you’ve never had this reviewed from a coordinated planning perspective, it may be worth a second look. Let's connect now before you lost any more tax needlessly.

⚠️ For illustration purposes only. Not tax, legal, or investment advice. Outcomes depend on individual circumstances.

“You’re doing everything you can.”That’s what my accountant told me.✅ Honest answer❌ Not the complete answerBecause what...
05/18/2026

“You’re doing everything you can.”
That’s what my accountant told me.
✅ Honest answer
❌ Not the complete answer
Because what I didn’t know at the time was this…
There are powerful strategies written directly into the Income Tax Act that many successful Canadians have been using quietly for years.
And most business owners?
👉 They’ve never been shown them.
These strategies can help:
💼 Reduce tax exposure
📈 Improve retirement income flexibility
💸 Create more tax-efficient withdrawals
🏛 Support long-term legacy planning
The issue isn’t whether these strategies exist…
It’s whether they’ve been properly explained and coordinated.
Most planning stops at compliance.
But true wealth planning starts beyond that.
If you’re an incorporated Canadian business owner who:
✔ Pays significant corporate + personal tax
✔ Relies primarily on dividends
✔ Wants more control over retirement income
✔ Is thinking about legacy, not just accumulation
…there may be opportunities worth exploring.
I created a workbook based on what I wish I had understood years earlier—before unnecessary tax and missed planning opportunities.
📩 Comment “WORKBOOK” or send me a message if you’d like a copy.
As always, strategies depend on individual circumstances and should be implemented in collaboration with your CPA and legal advisors.

💡 Are important planning opportunities being missed because no one is looking at the full picture? Many incorporated bus...
05/14/2026

💡 Are important planning opportunities being missed because no one is looking at the full picture? Many incorporated business owners have a strong accounting relationship and access to insurance solutions, yet some planning opportunities can still be overlooked when tax, legal, and insurance considerations are not reviewed together.

🔍 In my work, I help business owners better understand how strategies such as corporate-owned life insurance, the Capital Dividend Account (CDA), Individual Pension Plans (IPPs), and Retirement Compensation Arrangements (RCAs) may fit into a broader tax-efficient planning framework—always based on their specific circumstances and in coordination with their CPA and legal advisors.

🤝 If you are an incorporated business owner and want to better understand the planning options available to you, I would be happy to start with an educational conversation.

Are you a high-income earner looking to keep more of what you make? 💰 Discover how strategic tax planning can help you g...
04/20/2026

Are you a high-income earner looking to keep more of what you make? 💰 Discover how strategic tax planning can help you grow, control, and protect your wealth—while minimizing what you pay to CRA!

Learn the proven strategies that Canada’s top business owners and professionals use to build lasting financial security and leave a legacy.

Read our latest blog in comments to unlock your wealth potential.

🌎💸 Even If You’re Skeptical: How Climate Change Still Impacts Your Financial Plan 💡Think climate change doesn’t affect y...
04/06/2026

🌎💸 Even If You’re Skeptical: How Climate Change Still Impacts Your Financial Plan 💡

Think climate change doesn’t affect your investments? Think again. 🌱 Market shifts, regulatory changes, and new risks are reshaping the financial landscape—regardless of your beliefs. Forward-thinking investors are already adapting their strategies to protect and grow their wealth in this changing environment.

Discover how climate-related factors could influence your portfolio and why proactive planning is essential for high-income Canadians and business owners. Don’t let uncertainty erode your financial security—learn how to stay ahead.

Read more: link in comments below.

🌱💼

🌍💸 Oil Prices & Your Wealth: What High-Income Canadians Need to Know! 💸🌍Did you know that oil price fluctuations can sig...
04/02/2026

🌍💸 Oil Prices & Your Wealth: What High-Income Canadians Need to Know! 💸🌍

Did you know that oil price fluctuations can significantly impact your financial planning—especially if you’re a high-income earner or business owner in Canada? From investment portfolios to tax strategies and long-term wealth preservation, understanding these shifts is critical to staying ahead.

Discover how to protect and grow your wealth, no matter which way the market turns. Read our latest blog to learn actionable strategies tailored for high-income Canadians.

Read more in comments 👉

📘 For incorporated Canadian business owners, tax planning isn’t just a year‑end conversation.As businesses grow, taxes c...
03/30/2026

📘 For incorporated Canadian business owners, tax planning isn’t just a year‑end conversation.

As businesses grow, taxes can show up in different places—corporate income, personal pay, investments, succession planning, and even estate considerations.

This article provides a plain‑language, educational overview of how these pieces fit together and when long‑term planning may be worth exploring with qualified professionals.
✅ No hype
✅ No promises
✅ Just education

👉 Read the full blog in comments

🚀 Are you a high-income business owner looking to unlock the ultimate retirement advantage while minimizing your tax bur...
03/27/2026

🚀 Are you a high-income business owner looking to unlock the ultimate retirement advantage while minimizing your tax burden? It’s time to discover the power of **Retirement Compensation Arrangements (RCAs)**—a sophisticated solution designed for Canada’s top earners and incorporated professionals! 💼📈

**Here’s why RCAs matter for your financial future:**
✅ Allow for significant, tax-efficient retirement contributions beyond RRSP limits
✅ Offer enhanced wealth preservation and asset protection
✅ Provide flexible retirement income options tailored to your unique needs
✅ Help you retain more earnings inside your corporation while reducing overall tax exposure

If you’re earning $250,000+ and want to ensure your retirement plan is as advanced as your business, this is essential reading. Don’t let taxes erode your hard-earned wealth—learn how an RCA can secure your legacy and financial freedom.

👉 **Read the full blog in comments**



**Grow | Control | Protect your wealth with confidence.**

Market volatility is uncomfortable—but it’s also clarifying.When markets pull back, many investors realize their portfol...
03/27/2026

Market volatility is uncomfortable—but it’s also clarifying.
When markets pull back, many investors realize their portfolios are more exposed than they expected.

It’s a reminder that diversification isn’t just about owning more investments. It’s about understanding how different assets behave when markets are under stress.

While traditional investments play an important role, some high‑income Canadians and business owners also explore alternative planning strategies designed to support:
• Greater stability across cycles
• Access to liquidity
• Tax efficiency under current rules
• Long‑term control within a broader plan

These strategies aren’t about avoiding the market—they’re about building resilience alongside it.

If recent market movements have prompted you to reflect on your current strategy, I’ve shared more perspective in my latest blog (see comments).

📞 For those who prefer a personal conversation, you’re welcome to book a private, no‑obligation strategy call.


Address

Calgary, AB

Opening Hours

Monday 8am - 5pm
Tuesday 8am - 5pm
Wednesday 8am - 5pm
Thursday 8am - 5pm
Friday 8am - 5pm

Telephone

+15195399492

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