Tax Planning

Stop Overpaying on Taxes. Keep More of Your Hard-Earned Money.

As a healthcare professional in Canada, you have unique tax challenges and opportunities. Our specialized tax planning services for chiropractors, physiotherapists, and RMTs are designed to legally minimize your tax burden and maximize your wealth. Discover how much you could save in 2026.

Get Your FREE Tax Savings Analysis

Are You Losing Thousands to the Tax Man Every Year?

As a dedicated healthcare professional, you focus on your patients' well-being. But who is looking after your financial health? Each year, countless chiropractors, physiotherapists, and registered massage therapists in British Columbia and Ontario unknowingly overpay on their taxes. This is money that could be funding your retirement, paying down debt, or investing in your practice.

The Canadian tax system is complex, and without specialized knowledge, it’s easy to miss out on deductions, credits, and strategies that could save you thousands. Generic tax advice simply doesn’t cut it for your unique professional situation.

Our Specialized Tax Planning Services for
Healthcare Professionals

At Athena Financial, we provide comprehensive tax planning for healthcare professionals. We go beyond simple tax preparation to create a proactive, year-round strategy that aligns with your financial goals. Our services include:

For Individuals & Incorporated Professionals:

Income Splitting Strategies: We analyze the viability of income splitting with a spouse or family members to lower your overall household tax bill, while navigating the complex Tax on Split Income (TOSI) rules.

Salary vs. Dividend Optimization: We help you determine the optimal mix of salary and dividends to pay yourself from your professional corporation, balancing tax efficiency, RRSP contributions, and CPP benefits for 2026.

RRSP & TFSA Maximization: We ensure you are taking full advantage of your RRSP and TFSA contribution room, with an eye on the 2026 limits of $33,810 and $7,000 respectively.

Deductible Expense Review: We identify all eligible professional and business deductions, ensuring you claim everything you are entitled to, from association fees to vehicle expenses.

For Clinic Owners:

Corporate Tax Planning: We structure your corporation to take full advantage of the Small Business Deduction (SBD), helping you navigate the $50,000 passive income threshold and new 2026 regulations.

Corporate Wealth Transfer Strategy: We implement strategies to move surplus corporate profits to a tax-sheltered environment, preserving wealth for your estate and minimizing taxes upon death.

Succession & Exit Planning: We help you structure the sale of your clinic to make optimal use of the Lifetime Capital Gains Exemption (LCGE), which is proposed to increase to $1.25 million.

Why Choose Athena Financial for Your Tax Planning?

We are not just financial advisors; we are specialists in the financial lives of healthcare professionals. We understand the nuances of your profession, from the challenges of running a clinic to the opportunities available to incorporated professionals. Our proactive approach to tax planning ensures that you are always one step ahead, with a strategy that evolves as your career and the tax laws change.

"Athena Financial helped me restructure my practice and implement a corporate wealth transfer strategy that I didn’t even know was possible. I’m now saving over $20,000 a year in taxes. Their expertise is invaluable."

– Dr. Sarah Chen, Chiropractor, Vancouver, BC

Frequently Asked Questions

When is the best time to start tax planning?
The best time is now. Tax planning is a year-round activity, not just something you do in April. The earlier you start, the more opportunities you have to save.
I have an accountant. Why do I need a tax planner?
An accountant typically focuses on historical tax compliance. A tax planner, like Athena Financial, is forward-looking, creating proactive strategies to minimize your future tax liabilities.
Is it better to take a salary or dividends from my corporation?
The optimal strategy depends on your individual circumstances, including your income needs, retirement goals, and family situation. We can help you find the right balance for 2026 and beyond.

Ready to Stop Overpaying and
Start Saving?

Take the first step towards a more tax-efficient future. Book your complimentary, no-obligation tax savings analysis today. In just 20 minutes, we’ll review your situation and identify key areas where you could be saving money.

Schedule Your Complimentary Meet & Greet