01
Capital Dividend Account (CDA)
Discover whether your corporation may have tax-free distribution opportunities.
Corporate Wealth Strategy
You Built the Corporation.
Now Build the Tax-Free Exit.
Most business owners know how to make money. Few know how to extract it efficiently. Stanbridge Financial helps incorporated Canadians uncover tax-efficient wealth strategies using insurance, investment, and corporate planning.
Stanbridge FinancialEst. Canada
02 — The Real Question
Most Owners Build the Vault. Few Build the Exit.
- Salaryis taxable.
- Bonusis taxable.
- Dividendsare taxable.
The real question is not how much money is inside your corporation.
The real question is how much can legally come out.
Many business owners spend years building wealth inside their company but never develop a strategy for extracting it efficiently.
03 — Hidden Opportunities
Hidden Opportunities Inside Your Corporation
02
Corporate Owned Insurance
Turn protection into a long-term wealth transfer strategy.
03
Leveraged Wealth Planning
Explore structured borrowing and investment strategies designed for long-term wealth creation.
04
Estate & Succession Planning
Help preserve and transfer wealth to future generations.
04 — The Overlooked Question
The Question Most Business Owners Never Ask
“Before taking another taxable dividend, has anyone checked your CDA?
Your banker may not bring it up.
Your investment platform may not care.
Your accountant may know the rule but may not turn it into a proactive wealth extraction conversation.
Opportunities are often missed simply because nobody asks the question.
05 — How We Work
Our Process
- 01
Review Your Corporate Structure
- 02
Identify Wealth Extraction Opportunities
- 03
Coordinate With Your Professional Team
- 04
Develop A Long-Term Strategy
- 05
Monitor And Adjust Over Time
06 — Meet Your Advisor
A Boutique Approach to Corporate Wealth
Stanbridge Financial works with incorporated business owners, professionals, and families seeking sophisticated wealth planning strategies.
We help clients understand how insurance, investment planning, and corporate tax strategies can work together to support long-term financial goals.
Boutique
Private Practice
Corporate
Wealth Focus
Long-Term
Partnerships
07 — Clarity
Frequently Asked Questions
The Capital Dividend Account is a notional tax account that can allow a private corporation to distribute certain amounts to shareholders on a tax-free basis. Balances can arise from items such as the non-taxable portion of capital gains and certain life insurance proceeds. Whether your corporation has a balance — and how to use it — should always be confirmed with your tax professional.
CDA room depends on your corporation’s history of capital gains, life insurance proceeds, and prior distributions. It is not always tracked proactively. We help start the conversation and coordinate with your accountant to determine whether an opportunity exists.
Leveraged investing involves borrowing funds to invest with the goal of long-term wealth creation. It can amplify both gains and losses, involves real risk, and is not suitable for everyone. Any strategy should be reviewed carefully with qualified professionals before implementation.
Beyond protection, certain corporate-owned insurance policies can support long-term wealth transfer and may interact with accounts such as the CDA. Structured thoughtfully, insurance can become a planning tool rather than simply a cost.
Yes. We believe in coordination, not replacement. We work alongside your accountant, lawyer, and other advisors so that strategies are implemented correctly and in your best interest.
We work with incorporated business owners, professionals, and families who are building meaningful wealth inside a corporation and want a proactive, sophisticated strategy for extracting and transferring it efficiently.
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