Taxes touch every part of your financial life, income, investments, business, and legacy. At Schiller, Spence & Associates Private Wealth Management, we believe effective tax planning is about building strategies that work year-round. With offices in Lloydminster and Edmonton, we help clients across Alberta and Saskatchewan minimize their tax burden, strengthen their finances, and ensure their wealth continues to grow with clarity and purpose.
We begin by understanding your comprehensive financial picture, integrating corporate, personal, and estate strategies into a coordinated plan. Each decision, whether in your business or personal life, is structured to reduce unnecessary tax, preserve income, and protect long-term value.
Corporate tax planning that drives efficiency
For entrepreneurs, corporate structure and timing make all the difference. Our corporate tax planning in Edmonton and Lloydminster helps business owners navigate the complexities of compensation, reinvestment, and succession with a disciplined, opportunity-seeking approach.
We help determine the most effective balance between salary and dividends, leveraging deductions and deferrals that reduce taxable income while maintaining steady cash flow. For those planning ownership transitions, we design business succession strategies that minimize tax exposure, preserve family harmony, and ensure business continuity.
Whether you’re preparing for a sale, expanding operations, or managing retained earnings, we ensure your corporate tax plan supports both growth and security.
High-net-worth tax planning with precision
Complex portfolios and multiple income sources require more than annual check-ins, they demand high net worth tax planning built on foresight. We coordinate strategies across trusts, holding companies, and investment accounts to optimize outcomes across every layer of your wealth.
Our team specializes in tax planning for business owners with significant assets, aligning investment portfolios, real estate, and estate goals into one seamless structure. By integrating financial, legal, and accounting expertise, we help ensure your strategy not only minimizes tax but also supports the legacy you’re building.
Tax-saving strategies for small business owners
Small business owners often have the most to gain from effective planning, and the most to lose if details are overlooked. Our tax-saving strategies for small business owners uncover opportunities that others may miss, including income splitting, capital gains exemptions, and corporate-owned insurance structures that strike a balance between protection and growth.
We also help identify opportunities to defer income, structure shareholder loans, and leverage charitable donations to reduce taxable income while contributing to causes you care about. Every strategy is customized to reflect your company’s structure, stage of growth, and long-term objectives.
