by AdvisorsTablePodcast
Most of the decisions that shape the outcome happen long before the paperwork. They happen quietly. Behind closed doors. With consequences that don’t reset. Soon, those conversations won’t be private anymore. If you’re navigating complexity, you’ll want a seat at this table.
Language
🇺🇲
Publishing Since
12/4/2025
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July 16, 2026
<p>Most parents believe the best way to help their children is to give them assets early.</p><p>Sometimes, that's the most expensive mistake they can make.</p><p>Once you gift an asset, the decision is permanent. Ownership changes—and so does your control.</p><p>In this episode of <strong>The Advisors Table</strong>, Sankalp (Sunny) Jaggi explains why gifting assets to your children isn't always the smartest estate planning strategy, and how a family trust can help you protect your wealth while maintaining flexibility and control.</p><p>Together, we discuss:</p><ul><li><p>Why putting assets in your children's names can create irreversible problems</p></li><li><p>How a family trust allows you to retain control without giving up ownership</p></li><li><p>The tax strategy behind a real-life case study where one family paid $1.6 million in tax while another paid just $270,000</p></li><li><p>When your children should actually inherit your wealth</p></li><li><p>The two situations where a family trust makes sense—and when it doesn't</p></li><li><p>How estate freezes and the Lifetime Capital Gains Exemption can preserve family wealth</p></li><li><p>Common misconceptions about trusts, inheritance, and estate planning</p></li></ul><p>A family trust isn't about avoiding your family.</p><p>It's about protecting what you've spent a lifetime building while keeping your options open for the future.</p><p>If you own a business, investment properties, or a growing investment portfolio, this episode offers practical insights into the tax and estate planning decisions that can have a lasting impact on your family's financial future.</p><p><strong>Disclaimer:</strong> This episode is based on a real client scenario. Names and certain details have been changed to protect client confidentiality. The discussion is intended for educational purposes only and should not be considered legal, tax, or financial advice. Always consult a qualified professional before making financial decisions.</p>
June 24, 2026
<p>A holding company can be one of the most valuable planning tools in Canada.</p><p>Or it can be a complete waste of money.</p><p>For the right person, it can protect assets, improve tax planning, and preserve opportunities that would otherwise be lost. For the wrong person, it’s just unnecessary cost and complexity.</p><p>In this episode, we cover:</p><p>• The 5 Signs you may actually need a holding company<br>• Why surplus corporate cash can become a hidden risk<br>• How investment income can create avoidable tax problems<br>• The costly mistake one real estate investor was making every year<br>• Why business owners should think about planning long before a sale<br>• Who should not set up a holding company</p><p>The biggest mistake isn’t failing to create a holding company.</p><p>It’s creating one before you know whether it solves a problem you actually have.</p><p>🔗 Links:</p><p>Instagram: /advisorstablepodcast</p><p>LinkedIn: /the-advisors-table-podcast</p><p>Free Holding Company Decision Guide:<br><a href="https://www.theadvisorstable.com/reso">https://www.theadvisorstable.com/reso</a>...</p><p>📞 Looking for Trusted Tax Advice?</p><p>Connect with Sankalp (Sunny) Jaggi, CPA, CA, MTax, CFF at Cedar Consulting Group</p><p>📧 Email: <a href="mailto:sunny@cedargroup.ca">sunny@cedargroup.ca</a></p><p>🌐 Website:<br><a href="https://www.cedargroup.ca/">https://www.cedargroup.ca/</a></p><p>🔔 Subscribe for real-world tax scenarios that show what happens without planning.</p><p>👇 Comment below: Which of the five signs sounds most like your situation?</p><p>LEGAL DISCLAIMER:</p><p>This video is based on a real case, but names and some details have been changed to protect client confidentiality. This content is for educational purposes only and does not constitute legal or tax advice. Always consult with a qualified tax professional before making financial decisions.</p><p>#TheAdvisorsTable #HoldingCompany #RRSP #TFSA #Tax #WealthPlanning #TaxPlanning #CPA</p><p>00:00 Introduction: When a Holding Company Makes Sense</p><p>00:59 Sign #1: Investment Income Is Being Taxed Too Early</p><p>01:53 The Hidden Cost of Taxable Investment Accounts</p><p>03:00 How Holding Companies Create Tax Deferral</p><p>04:01 RRSP & TFSA Come First</p><p>04:50 Sign #2: Cash Is Piling Up Inside Your Business</p><p>05:23 Protecting Business Savings from Operating Risks</p><p>06:04 The $1.3 Million Capital Gains Exemption</p><p>07:16 Moving Surplus Cash to a Holding Company</p><p>08:19 Sign #3: The Doctor Losing $280,000 Per Year</p><p>09:58 Moving Real Estate Into a Holding Company</p><p>11:13 Recovering Over $1 Million Tax-Free</p><p>12:10 Sign #4: Protecting Personal Assets from Professional Risk</p><p>13:29 Sign #5: Preparing for a Major Capital Gain</p><p>14:24 Bonus: Holding Companies for Business Partners</p><p>15:03 The One Thing Every Successful Structure Has in Common</p><p>15:23 Who Should NOT Set Up a Holding Company</p><p>16:11 Recap: The 5 Signs You Need a Holding Company</p>
June 11, 2026
<p>Most Canadians think the tax bill on their RRSP comes when they retire.<br>For many families, the biggest tax bill comes when they die.<br>A $1 million RRSP can trigger hundreds of thousands of dollars in tax on a final return — often at rates higher than what many people paid during their working years.<br>But there is a little-known provision in the tax rules that can dramatically reduce that tax for families with dependent minor children or grandchildren.<br>In this episode, we cover:<br>• Why the "lower tax bracket in retirement" assumption often fails<br>• How a $1M RRSP can create a tax bill of more than $500,000 at death<br>• Why RRIF withdrawals can trigger OAS clawbacks and higher effective tax rates<br>• The strategy that can reduce a large RRSP tax bill for qualifying families<br>• How dependent children and grandchildren can qualify for special RRSP treatment<br>• Why beneficiary designations and will planning matter more than most people realize<br>• The critical deadlines that can make or break the strategy<br>Retirement planning isn't just about growing your RRSP.<br>It's about understanding what happens when the money eventually comes out — and what happens if it doesn't.<br>Many families only discover these rules after it's too late to do anything about them.<br>If you have a large RRSP, minor children or grandchildren, or aging parents with registered accounts, this is a conversation worth having now — not after a death in the family.<br>Links:<br>📋 For the full episode breakdown and additional tax resources, visit:<br>🌐 theadvisorstable.com<br>📞 Looking for Trusted Tax Advice?<br>Connect with Sankalp (Sunny) Jaggi at Cedar Consulting Group<br>📧 sunny@cedargroup.ca<br>🌐 cedargroup.ca<br>🔔 Subscribe for real-world tax, retirement, and estate planning insights.<br>👇 Comment below: Do you think most Canadians understand what happens to their RRSP when they die?<br>LEGAL DISCLAIMER: This video is based on a real case, but names and some details have been changed to protect client confidentiality. This content is for educational purposes only and does not constitute legal, tax, accounting, or financial advice. Always consult a qualified professional regarding your specific circumstances.<br>#TheAdvisorsTable #RRSP #RRIF #RetirementPlanning #TaxPlanning #EstatePlanning #WealthPlanning #CanadianTax<br>00:00 – The Hidden RRSP Tax Trap<br>00:24 – The RRSP Tax Escape Plan<br>00:34 – The Flawed Assumption Behind RRSPs<br>01:03 – How Average Canadians Build $1M+ RRSPs<br>01:50 – The Retirement Tax Problem Nobody Discusses<br>02:10 – Forced RRIF Withdrawals and OAS Clawbacks<br>03:43 – What Happens to Your RRSP When You Die<br>04:20 – Deemed Disposition Explained<br>05:05 – The Tax Law Provision Most People Miss<br>05:59 – The Child Annuity Strategy<br>07:31 – Real-World Results and Tax Savings<br>07:53 – Why Younger Children Save More Tax<br>08:52 – Eligibility Rules and Important Limits<br>09:22 – The Five-Step Setup Process<br>11:44 – What Happens When the Child Turns 18<br>12:25 – Special Considerations for Grandparents<br>13:19 – RRSP Exit Planning and Final Takeaways<br>15:01 – Important Warnings Before You Act<br>15:29 – Final Advice for Protecting Your Family<br>15:50 – Share This With Someone Who Needs It</p>
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Most of the decisions that shape the outcome happen long before the paperwork.
They happen quietly.
Behind closed doors.
With consequences that don’t reset.
Soon, those conversations won’t be private anymore.
If you’re navigating complexity, you’ll want a seat at this table.
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