Keep More of Your Hard-Earned Commissions.
We help high-producing mortgage brokers and financial advisors incorporate, defer taxes, and build long-term wealth through strategic corporate structuring.
Broker Commission Analyzer
Calculate your net commissions and brokerage splits.
Net Commission Earned
Before personal/corporate income tax and operating expenses.
This tool is for general information only and does not replace professional tax or accounting advice.
Strategic Tax Planning for Brokers
As a top-producing mortgage broker or financial advisor, your income can fluctuate wildly based on market conditions. Earning a massive commission in a single quarter is great, but if you are operating as a sole proprietor, you will lose over half of it to the CRA in the top marginal tax brackets.
At Teixeira Accounting, we specialize in helping financial professionals restructure their business to protect their commissions, smooth out their personal income, and aggressively grow their net worth.
Corporate Structuring
We guide you through the process of incorporating your practice. By funneling your commissions into a corporation, you pay the small business tax rate (12.2% in Ontario) instead of personal tax rates, allowing you to defer massive amounts of tax.
Wealth Accumulation
The tax you defer stays inside your corporation. We help you set up holding companies to safely invest these retained earnings into real estate, dividend-paying stocks, or private lending.
Comprehensive Accounting Solutions
- Commission Reconciliation: We accurately track your gross commissions, brokerage splits, and desk fees to ensure precise financial reporting.
- Expense Optimization: Maximizing write-offs for marketing, lead generation, licensing fees, and vehicle expenses.
- Salary vs. Dividend: We determine the most tax-efficient way to pay yourself from your corporation to fund your personal lifestyle.
Why Choose Teixeira Accounting?
At Teixeira Accounting Firm Inc., we don't just record history; we write your financial future. Most accounting firms are reactive—they wait for you to bring them problems. We are proactive architects of your wealth and business growth.
Whether you're a scaling enterprise or a high-net-worth individual, we provide the strategic oversight, tax optimization, and bulletproof compliance you need to operate with absolute confidence.
The Teixeira Advantage
Proactive Tax Strategy
We don't just file your taxes; we actively look for ways to reduce your tax burden year-round.
Bulletproof Compliance
Our rigorous quality control ensures your filings are accurate, minimizing audit risk.
Dedicated Advisory
You get a dedicated partner who understands your business deeply, not just a once-a-year tax preparer.