Building a successful practice or business is one thing. Turning it into personal wealth is another.把诊所或事业做成功是一回事，
把它变成个人财富是另一回事。

Whether you run a medical professional corporation or your own company, your corporation is often your biggest asset. We help doctors and business owners pay themselves tax-efficiently, grow and protect corporate wealth, and plan for retirement and succession.无论你经营医疗专业公司还是自己的企业，公司往往是你最大的资产。我们协助医生和企业主以节税方式支付自己的收入、增长和保障公司财富，并规划退休和接班。

Book a consultation预约咨询 See how we help看看我们怎样帮你

Medical professional corporations and owner-managed businesses医疗专业公司及自营企业
Working alongside your accountant and lawyer与你的会计师和律师紧密合作
English, Cantonese and Mandarin英语、粤语及普通话

Common Challenges常见挑战

Complex finances call for a coordinated plan.复杂的财务，需要统筹的规划。

For Doctors医生

High Income, Complex Tax Decisions高收入，复杂的税务决定
You earn a significant income, but are you paying more taxes than necessary on your personal and corporate earnings?你收入可观，但你的个人和公司收入，是否交了不必要的税？
Corporate Structure & Wealth Access公司架构与财富提取
Is your medical corporation structured to grow and protect your wealth, and how much can you actually access after taxes?你的医疗专业公司架构，能否让财富增长并得到保障？扣税之后，你实际能提取多少？
Retirement & Wealth Transfer退休与财富传承
You've spent years building your wealth, but how much will you actually keep in retirement and pass on to your family?你花了多年累积财富，退休时实际能保留多少，又能传给家人多少？

For Business Owners企业主

Business Profits, Personal Wealth企业利润与个人财富
Your business is making money, but how much of that success is turning into personal wealth?你的生意在赚钱，但有多少成果真正变成你的个人财富？
Corporate Structure & Tax Efficiency公司架构与税务效率
Is your business structured to manage taxes efficiently, protect your wealth, and support future growth?你的企业架构，能否有效管理税务、保障财富，并支持未来发展？
Retirement & Business Succession退休与企业接班
You've spent years building your business, but what happens to your financial future when you step away?你花了多年建立事业，当你退下来时，你的财务未来会怎样？

How We Help我们怎样帮你

Turning corporate success into personal wealth.把公司的成功，转化为个人财富。

We coordinate tax, investment, protection and estate planning around your corporation, working with your accountant and lawyer so every piece fits.我们围绕你的公司，统筹税务、投资、保障和遗产规划，并与你的会计师和律师合作，让每一部分互相配合。

Pay Yourself Tax-Efficiently节税地支付自己

Salary, dividends or a mix? Find the compensation strategy that fits your income needs, retirement goals and tax picture.薪金、股息，还是两者配合？找出最配合你收入需要、退休目标和税务状况的薪酬策略。

OpCo/HoldCo Structuring运营公司与控股公司架构

Review whether a holding company structure makes sense to protect assets and manage surplus cash.检视控股公司架构是否适合你，以保障资产和管理多余资金。

Invest Inside Your Corporation在公司内投资

Grow retained earnings tax-efficiently, while managing passive income so it doesn't reduce your small business deduction.以节税方式增长公司的保留盈余，同时管理被动收入，避免减少你的小企业扣减。

Protect Your Practice and Business保障你的诊所与企业

Key person, shareholder and buy-sell insurance, plus disability coverage, so your business and family are protected.关键人物保险、股东保障和股份买卖协议（buy-sell）保险，加上残疾保障，保护你的企业和家人。

Retirement Beyond Your Practice不倚赖诊所的退休规划

Build retirement income that doesn't depend on selling your practice or business, using both personal and corporate savings.善用个人和公司的储蓄，建立不倚赖出售诊所或企业的退休收入。

Succession, Estate & Legacy接班、遗产与传承

Plan your exit, prepare for taxes on your shares at death, and transfer wealth to the next generation.规划退出安排，为身故时股份可能产生的税项作好准备，并把财富传给下一代。

Questions常见问题

Frequently Asked Questions常见问题

Don't see your question here? Ask us directly.找不到你的问题？欢迎直接问我们。 admin@vkwealthmanagement.ca

Should I pay myself salary or dividends?我应该以薪金还是股息支付自己？

It depends on your income needs, retirement goals and tax situation. Salary creates RRSP room and CPP contributions; dividends do not. Many owners use a mix.这要看你的收入需要、退休目标和税务状况。薪金会产生 RRSP 供款额度和 CPP 供款，股息则不会。很多企业主会两者配合使用。

Is a holding company right for me?控股公司适合我吗？

A holding company can help protect assets and manage surplus cash, but it adds cost and paperwork. We'll review with your accountant whether it fits your situation.控股公司有助保障资产和管理多余资金，但也会增加成本和行政工作。我们会和你的会计师一起评估是否适合你。

Can I invest money inside my corporation?我可以在公司内投资吗？

Yes. Retained earnings can be invested inside the corporation. Passive investment income above $50,000 a year can reduce your small business deduction, so the type of investment matters.可以。公司的保留盈余可以在公司内投资。不过每年超过 $50,000 的被动投资收入，可能会减少你的小企业扣减，所以投资方式很重要。

Do you work with my accountant and lawyer?你会和我的会计师及律师合作吗？

Yes. We coordinate with your accountant and lawyer so your tax, legal and financial strategies work together.会。我们会与你的会计师和律师协调，让你的税务、法律和财务安排互相配合。

Ready to Make Your Corporation Work for You?准备好让你的公司为你所用？

Book a consultation to review your corporate structure, compensation and long-term plan.预约咨询，一起检视你的公司架构、薪酬安排和长远规划。

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Building a successful practice or business is one thing. Turning it into personal wealth is another.把诊所或事业做成功是一回事，把它变成个人财富是另一回事。