Why My Personal Tax Rate is Low

One of the tools I use is Whole Life owned by my holding company.  

I get a loan personally to pay the premiums.  When the funds transfer across to my corporate structure, I get shareholder loan credits.  I then pay out funds from my opco using shareholder credits. 

Boom.  Low tax rate. 

This is tax deferral and not tax-free.  Eventually, CRA will get their tax when I pass away.  The fun trick is my insurance contract will pay the tax and not myself personally.    

This is one of the many things I do to keep my personal tax bill low.

This service is part of the Mortgage-Managed Program where I optimize everything for financing and taxes.