Personal Financial Planning and Income Tax Services Richard Ray can help you with your financial planning, taxes, cash flow, investment vehicles, loans. He uses his areas of knowledge to assess your financial status, and help you make beneficial plans and decisions. ​Richard will work with you to ensure that your taxes are minimized and your after-tax profits are maximized.
SERVICES
PERSONAL TAX
Income splitting with family members
Scientific Research and Experimental Development Tax Credits
Determination of whether incorporation of your business would be beneficial
ESTATES
Review of the tax structure of your inter vivos or testamentary trust
Tax saving techniques for the trust and the beneficiaries
Preparation of trust returns
Maintenance of accounting records
Tax advice related to the preparation of a will
Trustee and executor services
Facilitate the effective management of the Trust
RETIREMENT
Review of present financial position
Determine if you are achieving an adequate return on your investments
Provide investment advice from a tax prospective
Work with your investment advisor to maximize after tax income
