From Surplus to Strategy: Structuring Your HoldCo and Investing Corporate Capital Intelligently

​Your corporation is profitable. Cash is accumulating.
Now the question becomes: where should that money live - and how should it grow?

​Many incorporated business owners build retained earnings inside their operating company without a clear strategy for structuring and investing that capital. Without proper planning, passive income rules, tax drag, and inefficient structures can quietly erode long-term flexibility and wealth.

​This session in The Corporate Tax Planning Series explores how a properly structured Holding Company, combined with strategic investing and Immediate Financing Arrangements, can create tax efficiency, preserve optionality, and support multi-generational wealth planning.

​📝 What You’ll Learn:

​• When and why to establish a Holding Company
• How to move surplus cash out of your OpCo strategically
• The impact of passive income rules on your Small Business Deduction
• How IFA strategies can create liquidity while preserving capital
• How to invest corporate surplus without triggering unnecessary tax drag
• How to align corporate investing decisions with long-term estate planning
• Common structuring mistakes that limit flexibility later

​👥 Who Should Attend?

​This session is ideal for those who:

​• Own a corporation with retained earnings accumulating
• Are considering setting up a HoldCo (or already have one)
• Want to invest surplus corporate capital tax-efficiently
• Are exploring life insurance as a strategic corporate asset
• Are building a cohesive long-term corporate wealth strategy

​👨‍💻 Meet the Experts

• ​​Bilal Kathrada, CPA, CA — Principal, Clearline CPA
  Specializing in income tax and succession planning for Canadian owner-managed businesses, Bilal leverages nearly 20 years of experience to help business owners structure and optimize their tax and transition strategies.

• ​​Carl Brodie, CFP® — Chief Financial Planner, Stone Owl Family Office. A recognized leader in tax-efficient wealth planning for incorporated professionals, Carl helps clients integrate personal and corporate strategies to maximize growth, preserve capital, and plan for succession.

• ​​Shaun Rickerby, CFP®, CIM®, FCSI® — Senior Portfolio Manager & Senior Investment Advisor, TD Wealth Private Investment Advice
  Shaun works primarily with high-net-worth individuals and families ($750K+), providing disciplined, holistic wealth management and portfolio strategies to simplify complex financial decisions.

​🥘 Dinner Will Be Served:

​A curated menu featuring fresh salads, premium protein entrées, and seasonal vegetables from our catering partners.   

​🎟️ Reserve your seat now — and start building a legacy that lasts.