Financial Advisor in Toronto
Insight Planning is a Kelowna, BC wealth management firm serving Toronto and Ontario business owners, incorporated professionals and families with $1M+ to invest. Our Certified Financial Planners meet with you by secure video, in Eastern time.
- $1M+ to invest
- Certified Financial Planners
- Virtual across Ontario
Financial planning for Toronto business owners and families
Insight Planning serves Toronto clients virtually from its Kelowna office. We coordinate tax, investments, retirement and estate decisions for owners of corporations, incorporated professionals and families with $1M+ to invest, in one plan, scheduled around Eastern time.
Our clients are successful Canadians whose financial lives have outgrown a single account, product or spreadsheet. We coordinate the moving pieces so the next decision is easier to make.
What shapes financial planning in Toronto and Ontario
Ontario's small business rate fell on July 1, 2026
Ontario's rate on the first $500,000 of active business income is 2.2% from July 1, 2026, down from 3.2%. With the federal 9%, that is 11.2% combined, and above the limit Ontario's general rate of 11.5% gives 26.5%. A tax year that straddles July 1 is blended, so the year-end date matters.
Ontario does not follow the federal passive income rule for its own rate
A corporation whose investment income reduces the federal limit still keeps Ontario's low rate. Active income then moves from 11.2% to 17.2% (15% federal plus Ontario's 2.2%), not to 26.5%. The federal reduction still begins at $50,000 of passive income a year. Your accountant confirms how it applies to your corporation.
Professional corporations answer to the profession's regulator
Toronto has a large concentration of physicians, dentists, lawyers and accountants, and finance, technology, life sciences and the creative industries, according to the City of Toronto. Ontario professional corporations are governed by each profession's regulator, and the rules on who may own shares differ by profession, so we work from your accountant's advice and the regulator's guidance.
Ontario's estate administration tax has no cap
Ontario charges no estate administration tax on the first $50,000 and $15 per $1,000 above it, with no maximum. On $2,000,000 of assets that pass through the estate, that is about $29,250. Assets that pass by joint ownership or a named beneficiary do not, which is why how accounts are titled belongs in the plan.
Investing the money in your Toronto corporation
If your Ontario corporation has $1,000,000 or more invested inside it, the portfolio should be built for how a corporation is taxed. The federal small business rate is 9% on the first $500,000 of active business income. Passive investment income above $50,000 a year starts to reduce that $500,000 limit, and it is gone at $150,000. Ontario's own treatment differs from the federal one, so we coordinate with your accountant on the year-end.
One coordinated plan, not five separate conversations
Wealth management in Toronto usually means several advisors who each see one part of the picture. At Insight Planning, a Certified Financial Planner leads one plan across tax, investments, retirement and estate, built on the Insight 360° OS, so each decision is made with the others in view.
Your plan stays current through scheduled reviews and a team you know by name, by secure video or in person at our Kelowna office.
- Tax strategySalary and dividends, RRSP and TFSA, and the tax on the portfolio.
- Business owners and incorporated professionalsThe corporation, the owner and the family, planned together.
- Retirement incomeTurning what you have built into income that lasts.
- Estate and legacyExecutors, titling, trusts and passing a business on.
- Choosing and checking an advisorWhat to ask, what to see in writing, and what it costs.
How planning with a Toronto advisor works at Insight Planning
Request an Introduction
A few short questions tell us whether we can help, before either of us spends the time.
Introductory meeting
We learn your situation, you learn how we work. No fee.
Build one plan
We coordinate your tax, investments, retirement and estate decisions through the Insight 360° OS and review it with you.
Questions Toronto clients ask
Does Insight Planning have an office in Toronto?
No. Our office is in Kelowna, BC, and Toronto clients work with us by secure video. Toronto is on Eastern time, three hours ahead of Kelowna, so our 9:00 to 5:00 Pacific day is 12:00 to 8:00 in Toronto.
Who is a good fit for a Toronto financial advisor like Insight Planning?
Owners of corporations, incorporated professionals and families with $1M+ to invest, and people facing a decision that touches everything at once: a sale, an inheritance, retirement, or a corporation that has outgrown its operating account.
What changed with Ontario's small business rate?
From July 1, 2026 the Ontario rate on the first $500,000 of active business income is 2.2%, down from 3.2%. A corporation with a year-end that straddles July 1 is taxed on a blended rate.
Can you work with my Toronto accountant and lawyer?
Yes, with your permission. We prepare what your accountant needs from the account and speak to them directly before decisions that change the corporation's tax picture.
How are you paid?
How we are paid is set out in writing before you open an account, in dollars. See our fees page for how we explain it.
How do I start?
Request an introduction. A short first meeting to see if we’re the right fit, for both of us. Three questions, and we reply within two business days.
Start with a conversation
A short first meeting to see if we’re the right fit, for both of us. Three questions, and we reply within two business days.
Request an IntroductionGeneral information for Canadian business owners and families. It is not tax, legal or investment advice, and it does not replace your accountant or lawyer. Tax rates and fees were checked against official sources on October 8, 2026 and change over time. Sources: Government of Ontario: corporate income tax; Government of Ontario: estate administration tax; CRA: corporation tax rates; CRA: small business deduction rules.