If you have retained earnings sitting in your corporation, there's a good chance you're losing money to passive tax every year — and most advisors aren't talking to you about it.
If you're incorporated and accumulating retained earnings, you likely have a tax problem on exit that nobody has properly addressed. The right structure changes that — but it requires a specialist, not a generalist.
Retained earnings grow completely sheltered from corporate passive investment tax — no annual drag on accumulation.
Borrow against the policy's cash value through a collateral loan — no tax, no dividend hit, no income inclusion.
On death, the benefit flows through the CDA — passed to shareholders completely tax-free.
Move wealth out of your corporation to the next generation with minimal tax erosion at every stage.
We start by understanding your situation before recommending anything. Most clients have never had someone walk through their corporate structure and explain what's actually happening to their money.
We look at your corporate structure, retained earnings, and tax exposure. If this strategy isn't right for you, we'll tell you that upfront.
If there's an opportunity, we build a plan around your specific numbers — premium level, timeline, access needs, and estate goals.
We run illustrations across 15+ carriers and compare them side by side — cost of insurance, cash value growth, dividend scale, and carrier strength.
We review annually, coordinate with your accountant, and adjust as your corporation grows. You don't hear from us only at renewal.
A complete suite of corporate and personal financial solutions, coordinated under one advisory relationship.
The core of what we do. Deploy surplus corporate capital into a tax-efficient structure — sheltered growth, tax-free access, and a tax-free estate transfer through the Capital Dividend Account.
Identify savings opportunities specific to your incorporated structure — from salary/dividend mix to insurance integration.
Learn more →TFSA, RRSP and personally-held investment strategies aligned alongside your corporate planning.
Learn more →Life, disability and critical illness coverage — individually structured and priced across Canada's top carriers.
Learn more →COLI is a tax and legal strategy as much as it is an insurance product. When you work with Gambhir & Partners, your file is reviewed by specialists across tax law, accounting, and estate planning — coordinated from day one, not passed around as referrals.
We're also fully independent — not tied to any one carrier. Every recommendation is based on what's right for your situation.
Every strategy is reviewed by corporate tax specialists and lawyers before anything is put in front of you — ensuring full CRA compliance.
We work directly with your corporate accountant so the COLI strategy flows cleanly through your financials — no surprises at year end.
Estate and retirement planning built around your policy — so it performs at every stage, not just at inception.
Independent and unbiased — we compare every major carrier to find the structure that performs best for your situation, not the one that's easiest to sell
Access to the best solutions across the Canadian market
Most incorporated professionals I speak with have never had someone sit down with them and explain exactly what's happening to the money inside their corporation — how it's being taxed, what their options actually are, and what a well-structured plan could look like.
That's what I do. I work exclusively in this space, with a network of tax lawyers, accountants and estate planners behind every file. If there's a real opportunity for you, we'll find it. If there isn't, I'll tell you that too.
See the real cost of holding surplus capital as passive investments — and what a properly structured strategy could recover.
Tax drag figures are accurate 2026 combined federal + provincial passive investment income rates before RDTOH refund. Face amount benchmarks are approximate industry ranges for participating whole life, standard non-smoker — actual amounts vary by carrier, health rating, and underwriting. COLI cash value and CDA credit cannot be accurately modelled without a carrier illustration. For educational purposes only — not financial, tax, or insurance advice.
Want to see what this looks like for your specific numbers?
Inquire Below ↓Calculators, articles and guides to help you understand your options — all in one place.
Retirement, disability needs, RRSP savings, passive income, estate tax and more — interactive tools to model your situation.
Open calculators ↗Plain-language guides on COLI, seg funds, estate planning, TFSA vs RRSP, corporate tax strategies and more.
Browse articles ↗Short explainer videos on life insurance, RRSP vs TFSA, term vs permanent, leveraging policies and estate strategies.
Watch videos ↗Fill out the inquiry form below. We'll look at your corporate structure, identify the opportunity, and explain exactly what a COLI strategy could do for you — in plain English.
A 20-minute conversation is enough to know if there's a real opportunity. No obligation, no pitch — just a straight look at your situation.