About

Who We Are

Carmen Da Silva, C.A., C.P.A., Tax Specialist and Ray Lawrence, Life Member MDRT are firmly established and recognized in the financial service industry.

They have assembled a TEAM of Tax, Investment, Loan, Insurance and Legal Specialists that "communicate" with each other on behalf of the taxpayer. This TEAM is what enables the taxpayer to 'further' reduce their income tax and avoid tax on certian investments, not just till retirement but FOR LIFE!

Carmen

Carmen graduated from the University of Toronto with a Bachelor of Commerce degree. She articled with Price Waterhouse where she obtained her Chartered Accountant designation. After auditing in the Small Business department, she obtained her Tax Specialist Designation through the Canadian Institute of Chartered Accountants.

Carmen has been featured on "Money Talks" on CFRB (1010) Radio, "The 60 Minute Tax Break" on Global TV, "Your Family's Money" on TV0 - and on "Death and Taxes", a six part series hosted by Jerry White, also on TVO.

Ray

Having been in the financial services industry for over thirty years, Ray prides himself on his wealth of knowledge gained. He specializes in Tax Planning. From his very first year Ray has Qualified for the Million Dollar Round Table. Having qualified for over 10 consecative years, he now enjoys the rare distinction of being a "Life Member" of the Million Dollar Round Table. Ray strongly believes in clients developing and implementing the "Millionaire Mindset".

Gary

Gary Caspersz is a strong player on the Team. He is creative and knows how to 'structure' tax-friendly products that are available to help you to reduce and avoid taxes.  Gary works on financial and tax planning strategies with the "end in sight".

Senior Legal Services

A team of Lawyers help you to incorporate a "spousal trust" into your Will. Thus, when one spouse dies, taxes do not 'increase' for the surviving spouse. "Two returns" can still get filed annually, even after one spouse dies. This 'income splitting' keeps the taxes down for years into the future and is a big annual tax savings for the life of the surviving spouse.

This Tax Reduction Team effort will result in large tax saving over your lifetime. With our Team you can - "reduce taxes for life, unleash wealth, enjoy tax free income at retirement, leave a legacy and still keep (CRA) the tax department happy!"

Our motto is, "If assets are worth building, they are worth keeping"