Canadian Personal and Business Taxes - Email: contact@fingems.ca
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Holding Company Strategy in Canada: Why Business Owners Use Them and When It Makes Sense Once your operating company starts generating more profit than you need to live on, a holding company can become one of your most powerful tax […]
Read morePayroll Deductions for Small Business Owners: What You Must Withhold and Remit The moment you hire your first employee in Canada, you become responsible for withholding and remitting payroll deductions to the CRA. Getting this wrong is one of the […]
Read moreOntario Trillium Benefit (OTB): What It Is and How to Get It If you live in Ontario, you may be leaving money on the table every month without realizing it. The Ontario Trillium Benefit (OTB) is a tax-free monthly payment […]
Read moreCRA My Account: How to Set It Up and Everything You Can Do With It If you are still calling CRA by phone to check your tax refund or RRSP room, you are doing it the hard way. CRA My […]
Read moreLifetime Capital Gains Exemption (LCGE): The Biggest Tax Break for Canadian Business Owners If you own shares of a small business corporation, a farm, or a fishing property in Canada, the Lifetime Capital Gains Exemption (LCGE) could shelter hundreds of […]
Read moreIncorporating in Canada: Alberta vs Ontario vs BC vs Federal — Which Is Right for You? So you're ready to incorporate your business in Canada. Great move. But here's where a lot of people get stuck: which jurisdiction do you […]
Read more2026 Is Not Just One Change. It's a Stack of Them. You've probably heard about the 14% bracket cut . That's the headline. But 2026 actually brought a whole set of federal tax updates that affect your paycheque, your savings […]
Read moreFiling Your 2026 Taxes Feels Different This Year. Here's Why. If you've filed taxes in Canada before, you probably expect the same routine every spring: gather slips, plug numbers into software, submit, wait for your refund. But 2026 is the […]
Read moreCRA Is Watching These Areas in 2026. Are You Ready? Nobody wants a CRA audit. But pretending audits don't exist doesn't make your risk go away. In 2026, CRA has more data, better matching algorithms, and clearer enforcement priorities than […]
Read moreThe RRSP Deadline Is Coming. Here's How to Make It Count. Every year, millions of Canadians scramble to make RRSP contributions before the March deadline. And every year, most of them leave money on the table because they contribute without […]
Read moreTFSA and RRSP Limits for 2026: What You Need to Know Every January, CRA updates the contribution limits for Canada's key registered accounts. If you're trying to build wealth tax-efficiently, these numbers matter more than most people realize. Here are […]
Read moreBank of Canada Rates in 2026: Hold, Cut, or Something Else? Interest rates dominate Canadian household conversations right now. Whether you're renewing a mortgage, sitting on a variable rate, or trying to decide between saving and investing, the Bank of […]
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