Tax strategy drives everything we do. In most cases, families lose more to taxes than to market volatility. We work with Alberta business owners to build tax strategies that protect every layer of their financial life, from active business income to retained earnings, dividends, and succession.
Using innovative strategies like tax-exempt life insurance and careful planning, we’ve helped clients save hundreds of thousands—sometimes millions—by planning deliberately and early.
Tax planning for high-net-worth individuals, families and business owners
We work closely with affluent families, professionals, and business owners to implement advanced high-net-worth tax planning strategies, including:
- Corporate structuring to reduce income and capital gains tax
- Tax-exempt insurance for wealth preservation and liquidity
- Trust planning to manage intergenerational wealth transfer
- Timing withdrawals and dividend strategies for tax efficiency
This isn’t theory. It’s real-world, high-impact tax planning high-net-worth Canadians can count on.
Tax saving strategies for small business owners that work
Small business owners often pay more tax than they should—not because they’re doing something wrong, but because no one’s optimized their situation. At Afshar & Machaalani Group, we provide tax saving strategies for small business owners that consider every angle:
- Should you pay yourself by salary, dividend, or both?
- Are you retaining too much in the corporation—or not enough?
- Can you split income with family to reduce your overall burden?
- Have you prepared for a sale or succession in the most tax-efficient way?
Tax planning that protects every piece of your financial life
At Afshar & Machaalani Group, we don’t treat tax as a standalone issue—it’s the thread that runs through everything. From corporate income to personal withdrawals, investment decisions to wealth transfers, we evaluate every move for its tax impact. By integrating strategy across your entire financial picture, we help Edmonton families keep more of what they’ve built—now and across generations.
Whether you’re drawing from your business, your investments, or preparing an estate plan, our tax strategies work behind the scenes to make every dollar go further.
Tax planning for business owners during transitions
Selling your business? Passing it to the next generation? These are some of the most pivotal—and most taxable—moments of your life. Our tax planning for business owners includes succession modelling, capital dividend account strategies, and integration with your estate plan.
We’re not just preparing you for retirement—we’re making sure you don’t lose value on the way out. And we work with your accountant and legal professionals to ensure everything lines up perfectly.
Tax reduction without compromise
Every strategy we recommend is grounded in current legislation, backed by real-time scenario planning, and vetted through experience.
And because we treat tax planning as a living process, we’re always watching for shifts in the landscape. That includes:
- Changes to corporate tax rules
- Updates to income brackets and credits
- Adjustments to capital gains inclusion rates
- Emerging opportunities around insurance and estate structuring
Tax planning is legacy planning
Your tax strategy shapes your legacy. We use charitable foundations, donor-advised funds, and trusts to ensure your wealth is transferred intentionally—not eroded by probate, fees, or forced asset sales.
Whether you’re focused on your children, a cause you believe in, or ensuring a smooth transition of your business, our planning starts early and stays current. The result? Confidence that your wealth will end up where you want it—no surprises, no regrets.
