Directly or indirectly, almost every financial decision you make involves taxes.  Borrowing to invest, income splitting, investing through your holding company and funding a child’s education just to name a few all have one thing in common – they all relate to some sort of tax planning.  It is our responsibility to create a plan in the most tax efficient manner possible.  These strategies can involve tax preferred investment vehicles, insurance contracts, to even collaborating with your accountant so that everyone is working together to ensure your financial well-being.