Greg Rozdeba

Greg Rozdeba Helping Canadian business owners keep more of what they build | Co-Founder | Tax strategies, COLI, estate planning.

06/23/2026

You built the business. Grew the revenue. Paid the corporate tax.

Now the money sits in your corporation — and every time you try to get it out, CRA takes another cut.

Salary? Taxed. Dividends? Taxed. Capital gains? Taxed.

Corporate-owned life insurance breaks the cycle. After-tax retained earnings move into a tax-sheltered policy that pays out through the Capital Dividend Account — 100% tax-free.

The money stops getting stuck.

Book a free strategy call at dundaswealth.ca/apply

06/18/2026

Most incorporated Canadians are overpaying tax — not because they're doing anything wrong, but because no one has shown them the alternative.

Retained earnings in your corporation are taxed when they are earned. Taxed again coming out. Without a strategy, 30-50% disappears before it reaches your family.

Corporate-owned life insurance changes that. After-tax dollars move into a tax-sheltered policy and pay out through the Capital Dividend Account — completely tax-free.

The tax code allows this. Most advisors just don't use it.

Book a free strategy call at dundaswealth.ca/apply

06/12/2026

Corporate-owned life insurance is the one strategy that grows your money tax-sheltered without triggering the passive income clawback.

It's a long-term play — not for everyone. But for the right business owner, it protects your small business deduction AND builds wealth. Here's how 👇 Full video live now (link in bio).

06/11/2026

New video out. If you've got retained earnings building up in your corporation, the passive income rules in 2026 can quietly cost you tens of thousands a year.

I break down all 6 of your options — honestly, including where each one falls short.

▶️ https://youtu.be/ycFpPZf-aWk

06/09/2026

Most Canadians don't know this exists.

The Capital Dividend Account allows Canadian corporations to pay out certain amounts to shareholders completely tax-free. No personal tax. No withholding. 100% to your pocket.

The most reliable way to fund it? A corporate-owned life insurance policy. When the insured dies, the death benefit credits the CDA dollar for dollar — and flows out to your family tax-free.

It's not a loophole. It's written into the Canadian tax code. Most incorporated professionals just don't have an advisor who uses it.

Book a free strategy call at dundaswealth.ca/apply

06/04/2026

Most people think life insurance is about death. The families who build real wealth use it to move money to the next generation — tax-efficiently.

A clip from the new episode of Keep What You Build 👇 Full episode on YouTube (link in bio).

06/03/2026

Not sure how much life insurance you need? The DIME method gives you a starting point.

D — Debt. What you owe outside your mortgage.
I — Income. Your salary × the years your family needs support.
M — Mortgage. Your remaining balance.
E — Education. Post-secondary costs for each kid.

Add those four numbers. That's your coverage target.

Get your free quote at dundaslife.com

06/02/2026

The exact words to use when you want to raise corporate life insurance with your accountant:

"I've been reading about corporate owned life insurance and the Capital Dividend Account. Can we look at whether our retained earnings situation makes this worth exploring? I have a licensed advisor who can walk us through the structure with both of us."

You're not asking them to know insurance. You're asking them to evaluate a tax strategy. Most accountants say yes immediately.

Full video → https://www.youtube.com/watch?v=eCRDEbTf0Fs
Book a call → https://dundaswealth.ca/apply

06/01/2026

Retained earnings in your corporation in 2026? Here are your 6 options:

1. Invest in securities
2. Real estate
3. Pay down debt
4. Reinvest in the business
5. IPP
6. Corporate owned life insurance

The passive income rules are real — earning more than $50K/year in passive income inside your corp claws back your small business deduction. Most people don't see it coming until year-end.

The right strategy is almost always a combination, not a single play.

Full video → https://www.youtube.com/watch?v=eCRDEbTf0Fs
Book a call → https://dundaswealth.ca/apply

05/30/2026

"Corporate life insurance is just a tax dodge."

That's the most common pushback — and it's wrong.

The CRA has specific rules around how corporate policies qualify for tax-sheltered growth. Get the structure wrong and gains are taxed every year. There's also a piece most advisors don't mention: the cash value can be used as collateral for a corporate loan — capital access during your lifetime, no tax event.

Full video → https://www.youtube.com/watch?v=eCRDEbTf0Fs
Book a call → https://dundaswealth.ca/apply

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