Retained Earnings: What to Do With the Money Sitting in Your Corp, with Paige Motamedi

You've got money sitting inside your corporation. Maybe it's $200K, maybe it's a million. You know you should be doing something with it — but nobody's ever walked you through all the options.In this episode, Martin sits down with Paige Motamedi of Hall Life Insurance Corporation — 22 years in the industry, backed by a firm with nearly a century of experience working with Canadian entrepreneurs — to break down exactly what's happening to your retained earnings and what you can actually do about it.What we cover:The $50K passive income threshold: why crossing it triggers a clawback on your small business deduction worth tens of thousands per yearYour options when retained earnings pile up: cash, stocks, real estate, dividends — and the pros and cons of eachHow corporate-owned life insurance redirects passive income into a tax-exempt, balance-sheet-building asset without coming out of pocketThe "use the 4%" strategy: funding your COLI policy from investment gains or rental income instead of fresh capitalThe CDA (capital dividend account): how the death benefit flows to your family completely tax-freeWho this strategy is right for — and who should stay awayA real client scenario: a real estate investor facing a $2M capital gains tax bill, and how a joint last-to-die COLI policy solved itThe first step to take if you've been sitting on retained earnings for years without a planIf you're an incorporated Canadian business owner with retained earnings building up in your corp, this one is worth your time.Book a free strategy call: dundaswealth.ca/applyKeep What You Build is presented by Dundas Wealth. The content in this podcast is for educational purposes only and does not constitute financial, tax, or legal advice. Always consult a qualified professional before making financial decisions.