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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If you're a Canadian corporation billing a US client, your setup may look perfectly normal—until CRA decides it looks like employment.
CRA is reviewing a specific profile: one shareholder, one client, full-time hours, and working inside the client's systems. If your corporation is classified as a Personal Services Business (PSB), the tax consequences can be enormous.
In this episode of The Advisors Table, we break down the tax implications of working with US clients, from W-8BEN-E forms and GST/HST registration to salary versus dividends and the risk of a retroactive CRA reassessment.
In this episode, we cover:
What the W-8BEN-E actually does for Canadian corporations
Why an incomplete treaty claim can trigger 30% US withholding
Why you may need to register for HST, even when charging your US client 0%
Salary vs. dividends when you have one major US client
How CRA determines whether your corporation is a Personal Services Business
Four key decisions that can increase or reduce your PSB exposure
Having a US client doesn't automatically create a tax problem. What matters is how CRA views your working relationship. If CRA determines you're effectively an employee, your corporation could face a 44.5% tax rate retroactively.
Discover the steps you can take to structure your corporation, understand your tax obligations, and reduce your exposure to costly reassessments.
Family Trusts Explained: Why the Wealthy Never Gift Their Kids Anything
Season 1 · Episode 28
Thursday, July 16, 2026 • Duration 13:54
Most parents believe the best way to help their children is to give them assets early.
Sometimes, that's the most expensive mistake they can make.
Once you gift an asset, the decision is permanent. Ownership changes—and so does your control.
In this episode of The Advisors Table, 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.
Together, we discuss:
Why putting assets in your children's names can create irreversible problems
How a family trust allows you to retain control without giving up ownership
The tax strategy behind a real-life case study where one family paid $1.6 million in tax while another paid just $270,000
When your children should actually inherit your wealth
The two situations where a family trust makes sense—and when it doesn't
How estate freezes and the Lifetime Capital Gains Exemption can preserve family wealth
Common misconceptions about trusts, inheritance, and estate planning
A family trust isn't about avoiding your family.
It's about protecting what you've spent a lifetime building while keeping your options open for the future.
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.
Disclaimer: 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.
Do You Actually Need a Holding Company? (Canadian Tax Advisor)
Season 1 · Episode 27
Wednesday, June 24, 2026 • Duration 17:05
A holding company can be one of the most valuable planning tools in Canada.
Or it can be a complete waste of money.
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.
In this episode, we cover:
• The 5 Signs you may actually need a holding company • Why surplus corporate cash can become a hidden risk • How investment income can create avoidable tax problems • The costly mistake one real estate investor was making every year • Why business owners should think about planning long before a sale • Who should not set up a holding company
The biggest mistake isn’t failing to create a holding company.
It’s creating one before you know whether it solves a problem you actually have.
🔔 Subscribe for real-world tax scenarios that show what happens without planning.
👇 Comment below: Which of the five signs sounds most like your situation?
CRA Takes 54% Of Your RRSP When You Die (Unless You Do This)
Season 1 · Episode 26
Thursday, June 11, 2026 • Duration 16:03
Most Canadians think the tax bill on their RRSP comes when they retire. For many families, the biggest tax bill comes when they die. 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. 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. In this episode, we cover: • Why the "lower tax bracket in retirement" assumption often fails • How a $1M RRSP can create a tax bill of more than $500,000 at death • Why RRIF withdrawals can trigger OAS clawbacks and higher effective tax rates • The strategy that can reduce a large RRSP tax bill for qualifying families • How dependent children and grandchildren can qualify for special RRSP treatment • Why beneficiary designations and will planning matter more than most people realize • The critical deadlines that can make or break the strategy Retirement planning isn't just about growing your RRSP. It's about understanding what happens when the money eventually comes out — and what happens if it doesn't. Many families only discover these rules after it's too late to do anything about them. 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. Links: 📋 For the full episode breakdown and additional tax resources, visit: 🌐 theadvisorstable.com 📞 Looking for Trusted Tax Advice? Connect with Sankalp (Sunny) Jaggi at Cedar Consulting Group 📧 sunny@cedargroup.ca 🌐 cedargroup.ca 🔔 Subscribe for real-world tax, retirement, and estate planning insights. 👇 Comment below: Do you think most Canadians understand what happens to their RRSP when they die? 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.#TheAdvisorsTable #RRSP #RRIF #RetirementPlanning #TaxPlanning #EstatePlanning #WealthPlanning #CanadianTax00:00 – The Hidden RRSP Tax Trap00:24 – The RRSP Tax Escape Plan00:34 – The Flawed Assumption Behind RRSPs01:03 – How Average Canadians Build $1M+ RRSPs01:50 – The Retirement Tax Problem Nobody Discusses02:10 – Forced RRIF Withdrawals and OAS Clawbacks03:43 – What Happens to Your RRSP When You Die04:20 – Deemed Disposition Explained05:05 – The Tax Law Provision Most People Miss05:59 – The Child Annuity Strategy07:31 – Real-World Results and Tax Savings07:53 – Why Younger Children Save More Tax08:52 – Eligibility Rules and Important Limits09:22 – The Five-Step Setup Process11:44 – What Happens When the Child Turns 1812:25 – Special Considerations for Grandparents13:19 – RRSP Exit Planning and Final Takeaways15:01 – Important Warnings Before You Act15:29 – Final Advice for Protecting Your Family15:50 – Share This With Someone Who Needs It
Estate Planning Explained: Will vs Trust in Canada
Season 1 · Episode 25
Wednesday, May 27, 2026 • Duration 17:01
Solo 25
Most Canadians think their will controls everything they own.
It doesn't.
Your will may only govern a small portion of your assets — while the rest passes outside of it entirely.
In this episode, we cover:
• The three ways assets transfer when someone dies
• Why beneficiary designations can override your will
• How joint ownership can bypass probate entirely
• What your will actually controls — and what it doesn't
• Why powers of attorney matter during incapacity
• How family trusts can help with tax planning, control, and asset protection
• The 21-year trust rule most families never hear about
Estate planning isn't just about death.
It's about control, taxes, incapacity, and protecting your family when life changes unexpectedly.
Many families only discover the gaps in their plan after a crisis has already occurred.
If you have children, a corporation, aging parents, or significant assets, this is a conversation worth having before it becomes urgent.
The Airbnb Tax Nobody Knows About
Season 1 · Episode 22
Wednesday, May 20, 2026 • Duration 07:33
Solo 19
You put your home on Airbnb.
The bookings are strong. The income is rolling in.
But according to CRA, your home may no longer be considered a home.
It may now be treated as a commercial property — like a hotel.
And when you sell, you could face a significant and unexpected tax bill.
In this episode, we cover:
• How Airbnb can trigger CRA's "change in use" rules
• Why short-term rentals can jeopardize principal residence treatment
• The 2024 court case where CRA successfully applied HST on sale
• How one homeowner could face approximately $150,000 in HST alone
• Why switching back to long-term rentals may still trigger tax consequences
• The hidden trap between income tax and HST rules
• Why many Airbnb owners don't discover these issues until it's too late
This isn't just about rental income.
It's about how one decision can completely change the tax treatment of your property.
And in many cases, homeowners only discover the consequences after the property has already been sold.
3 Tax Cuts That Weren’t Tax Cuts
Season 1 · Episode 21
Thursday, May 14, 2026 • Duration 21:58
Governments love announcing tax cuts — but the headline rarely tells the full story.
In just four months, three different governments — Federal, NDP, and Conservative — announced major tax breaks. But once you look past the press releases, many of these “savings” either shrink dramatically, trigger hidden tax costs, or quietly increase taxes somewhere else.
In this episode, we break down the incomplete story behind these political tax promises. From reduced tax credits to retroactive corporate tax consequences and bracket creep, we show how the real impact is often buried deep inside the legislation — not the headline.
In this episode, we break down:
• Why tax cuts often come with hidden offsets elsewhere • How the federal 1% tax cut reduced the real benefit of common tax credits • Why the promised $825 savings was actually closer to $425 • How Ontario’s small business rate drop can trigger retroactive tax on historical corporate earnings • Why B.C.’s frozen tax brackets quietly increase taxes through bracket creep • How government headlines often miss the real financial impact hidden in the legislation
Don’t let political marketing dictate your financial decisions.
Watch now to understand what these “tax cuts” actually mean for your money.
Links:
Instagram: @advisorstablepodcast
LinkedIn: The Advisors Table Podcast
Looking for trusted tax advice?
Connect with Sankalp (Sunny) Jaggi at Cedar Consulting Group.
Subscribe if you want practical breakdowns of real tax scenarios.
Comment below — have these recent “tax cuts” actually made a difference in your finances?
Don’t Buy A Car In 2026 Until You Learn CRA’s Rules
Season 1 · Episode 20
Thursday, May 7, 2026 • Duration 41:17
Buying a car through your corporation doesn’t make it “free.”
And in many cases, it can actually cost you more.
In this episode, we break down one of the most common tax myths among business owners — the idea of the “full write-off.” While it sounds simple, the reality involves strict CRA limits, taxable benefits, and hidden personal tax consequences that most people don’t account for.
We walk through how corporate vehicle ownership actually works, where the numbers fall apart, and why what seems like a smart tax move can quickly turn into an expensive mistake.
In this episode, we break down:
• Why a corporate vehicle is not a “full write-off” • How CRA caps limit deductions on purchases and leases • Why personal use creates taxable benefits • How standby charges increase your personal tax bill • Leasing vs. buying — and how each impacts taxes • Why mileage reimbursement is often the simpler, more efficient strategy
Don’t assume the government is paying for your car.
Watch this before you sign anything — it could save you thousands.
Links:
Instagram: @advisorstablepodcast
LinkedIn: The Advisors Table Podcast
Looking for trusted tax advice?
Connect with Sankalp (Sunny) Jaggi at Cedar Consulting Group.
Subscribe if you want practical breakdowns of real tax scenarios.
Comment below — have you ever considered buying a car through your corporation?
Timestamps:
00:00 – BMW Write-Off Myth Explained02:16 – Company Cars & Hidden Tax Costs04:14 – 2026 Vehicle Write-Off Limits & Caps05:23 – Lease Payment & Interest Deduction Limits06:36 – HST Recovery Rules for Company Cars08:15 – Employee Taxable Benefits on Luxury Vehicles09:37 – Standby Charge: 2% Monthly Tax Rule11:55 – Operating Cost Benefit & $0.34/km Rule14:22 – Why Company Cars Can Become More Expensive15:24 – Leasing a Vehicle Through a Corporation18:12 – Paying Your Own Gas & Repair Costs19:01 – Reducing Taxable Benefits With Business Use22:17 – CRA Logbook Requirements & Vehicle Audits25:09 – Avoiding Taxable Benefits the Right Way28:12 – Trades Workers, Pickup Trucks & On-Call Use31:01 – Shareholder Benefit Risks & CRA Penalties34:02 – EV Incentives & Corporate Tax Advantages36:08 – Using Your Personal Vehicle for Business38:23 – Real Client Example: Mileage Reimbursement Strategy40:04 – Final Thoughts: Calculating the Best Car Ownership Structure
Canada Is Running Out of Money For You
Season 1 · Episode 21
Tuesday, May 5, 2026 • Duration 08:45
Solo 21
The government says Canada’s debt is only 10% of the economy — one of the lowest levels in the G7.
The real number may be much higher.
Interest costs on the federal debt are now exceeding the amount collected through GST, and within a few years are projected to surpass federal healthcare transfers.
In this episode, we cover:
• How Canada reports a 10% Debt-to-GDP ratio — and what’s excluded from that figure
• Why total government debt can produce a much higher number
• How CPP and pension assets affect the way debt is reported
• Why Canada’s global ranking changes depending on the methodology used
• The cycle of deficits, borrowing, and rising interest costs
• Why debt servicing costs are growing faster than major areas of public spending
This isn’t just about government accounting.
It affects future taxes, public services, and how much government revenue is available for priorities other than debt payments.
Links:
📋 For the full episode breakdown and additional tax resources, visit:
🌐 theadvisorstable.com
We Checked Carney’s Math. He’s Wrong.
Season 1 · Episode 19
Friday, May 1, 2026 • Duration 23:01
Canada just released its 2026 Spring Economic Update — and at first glance, things look better.
The deficit is down by $11 billion.
But when you dig deeper, the story changes.
In this episode, we break down what’s really driving the numbers — and why the “improvement” may have more to do with timing and external factors than actual policy changes. From unspent government commitments to a temporary boost from oil prices, we unpack how the headline doesn’t reflect the full picture.
We also dive into Canada’s growing $1.42 trillion national debt, how it’s being presented, and what it actually means for taxpayers long term. Plus, we explore why the government is using CPP contributions to improve the appearance of the balance sheet, and the risks involved in the new $25 billion Sovereign Wealth Fund — funded entirely through additional borrowing.
In this episode, we uncover:
• Why the $11B “deficit reduction” isn’t driven by real policy changes • Why Canada’s debt-to-GDP ratio may be far higher than the headline number • How delayed spending and higher oil prices shaped the update • What Canada’s $1.42 trillion debt and rising interest costs mean in practice • How a $25B sovereign wealth fund is being financed through borrowing — not surplus revenue • Early signals of asset sales and other strategies being discussed to manage long-term deficits
Don’t rely on headlines to understand the economy.
Watch now to see what the numbers actually mean — and how they could impact your future taxes.
Links:
Instagram: @advisorstablepodcast
LinkedIn: The Advisors Table Podcast
Looking for trusted tax advice?
Connect with Sankalp (Sunny) Jaggi at Cedar Consulting Group.
Email: Website: cedargroup.ca
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 or tax advice. Always consult with a qualified tax professional before making financial decisions.
00:00 Introduction: When a Holding Company Makes Sense
00:59 Sign #1: Investment Income Is Being Taxed Too Early
01:53 The Hidden Cost of Taxable Investment Accounts
03:00 How Holding Companies Create Tax Deferral
04:01 RRSP & TFSA Come First
04:50 Sign #2: Cash Is Piling Up Inside Your Business
05:23 Protecting Business Savings from Operating Risks
06:04 The $1.3 Million Capital Gains Exemption
07:16 Moving Surplus Cash to a Holding Company
08:19 Sign #3: The Doctor Losing $280,000 Per Year
09:58 Moving Real Estate Into a Holding Company
11:13 Recovering Over $1 Million Tax-Free
12:10 Sign #4: Protecting Personal Assets from Professional Risk
13:29 Sign #5: Preparing for a Major Capital Gain
14:24 Bonus: Holding Companies for Business Partners
15:03 The One Thing Every Successful Structure Has in Common
15:23 Who Should NOT Set Up a Holding Company
16:11 Recap: The 5 Signs You Need a Holding Company
Links:
📋 For the full episode breakdown and additional tax resources, visit:
🌐 theadvisorstable.com
📞 Looking for Trusted Tax Advice?
Connect with Sankalp (Sunny) Jaggi at Cedar Consulting Group
📧 sunny@cedargroup.ca
🌐 cedargroup.ca
🔔 Subscribe for real-world tax, estate, and wealth planning insights.
👇 Comment below: Have you ever reviewed the beneficiary designations on your accounts, insurance policies, and registered plans?
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.
00:15 – The Three Ways Your Assets Move When You Die
00:48 – Bucket Three: The Leftovers and the Probate Process
01:06 – Case Study: Why the Kids Didn't Get the Inheritance
01:49 – The Paperwork Trap and Checking Your Beneficiaries
02:09 – What a Standard Will Does (and Where It Fails)
02:55 – The Cost of Probate and Hidden Taxes in Ontario
03:41 – Incapacity Planning: What Happens If You Get Sick?
04:50 – Essential Documents: Powers of Attorney and Directives
05:47 – What Are Dual Wills and How Do They Work?
06:47 – Demystifying the Family Trust for Regular Canadians
07:44 – Four Powerful Things a Trust Can Do That a Will Can't
11:51 – The 21-Year Rule and the Generational Playbook
13:40 – Other Types of Trusts and Overcoming Common Myths
15:33 – Summary Checklist: Who Needs a Will vs. a Family Trust?
If you own an Airbnb property — or are considering converting your home into one — this is a conversation worth having before CRA has it with you.
Links:
📋 For the full episode breakdown and additional tax resources, visit:
🌐 theadvisorstable.com
📞 Looking for Trusted Tax Advice?
Connect with Sankalp (Sunny) Jaggi at Cedar Consulting Group
📧 sunny@cedargroup.ca
🌐 cedargroup.ca
🔔 Subscribe for real-world tax scenarios that show what happens without planning.
👇 Comment below: Did you know Airbnb income could change the tax status of your home?
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.
00:18 – Meet John: The Executive Who Thought Airbnb Was Easy Money
00:38 – Why He Chose Airbnb Instead of Selling
01:05 – The CRA "Change of Use" Rule Explained
01:13 – When Your Home Becomes a Commercial Property
01:50 – The Ottawa Airbnb Court Case CRA Won
01:57 – Breaking Down John's $150,000 HST Problem
02:47 – How $500,000 in Airbnb Income Nearly Disappeared
03:14 – The Capital Gains Tax Hit Nobody Expects
03:45 – Why Airbnb Hosts Can End Up Owing More Than They Made
04:23 – Every Exit Strategy That Still Triggers Tax
05:59 – Why You Need Both Income Tax and HST Expertise Before It's Too Late
Timestamps:
00:00 – Intro: The Truth Behind Government Tax Cuts 01:08 – Three Governments, Three Different Tax Cuts 02:26 – Why Tax Cut Headlines Mislead the Public 03:18 – Federal 1% Tax Cut Explained 04:17 – Hidden Reduction in Tax Credits for Families 05:14 – Why the Real Savings Are Much Lower Than Advertised 06:33 – How Tax Experts Catch What Politicians Leave Out 08:35 – Ontario’s Small Business Tax Rate Drop Breakdown 10:06 – How Corporate & Personal Tax Integration Actually Works 12:04 – Why Business Owners Eventually Pay More Tax Personally 13:14 – The Retroactive Tax Increase Nobody Is Talking About 15:00 – Example: How a $1M Corporation Gets Hit Harder 16:44 – Why Governments Market Tax Cuts Without Full Disclosure 17:10 – B.C.’s Sneaky Tax Increase Through Frozen Tax Brackets 19:06 – How Federal, Ontario & B.C. Changes Cancel Each Other Out 21:11 – Final Advice: Don’t Trust Tax Headlines Without Research
📞 Looking for Trusted Tax Advice?
Connect with Sankalp (Sunny) Jaggi at Cedar Consulting Group
📧 sunny@cedargroup.ca
🌐 cedargroup.ca
🔔 Subscribe for real-world tax, policy, and financial planning insights.
👇 Comment below: Do you trust the way governments communicate debt and deficit numbers?
LEGAL DISCLAIMER: This video is based on publicly available information and is intended for educational purposes only. It does not constitute tax, legal, accounting, or financial advice. Always consult a qualified professional regarding your specific circumstances.
