Welcome to Raman Chopra Wealth.
We help business owners take money out of their corporations in smart, tax-efficient ways. Our goal is to protect what you’ve built, plan for retirement, and make sure your wealth passes smoothly to the next generation. In short — we help you keep more of what you’ve earned and make it work harder for you.
Strategic Wealth Planning — Built for Business Owners
"Unlock The 83-12 Tax Code Loophole"
Keep More. Grow More. Give Less to the CRA.
TESTIMONIALS
Why Our Clients Trust Us
"I’ve trusted Raman as my independent advisor since 2009, and he’s guided me every step of the way. He’s helped me set up a critical illness plan, build my retirement savings, and establish investment accounts for my two sons. What I value most is how clearly, he breaks down complex financial matters, making it easy for me to make informed decisions. His dedication and personalized service have truly made a difference in securing my financial future and protecting my family.
I couldn’t ask for better support over the years, and I genuinely appreciate all of his guidance."
— Ian C
"As a self-employed individual, I’ve always been concerned about how to secure my retirement. Raman showed me how to use my corporation’s retained earnings to create a tax-efficient retirement plan, giving me peace of mind and confidence in my financial future. His expertise has made all the difference, and I couldn’t be more grateful. I highly recommend him!!"
— Pam M
"I’ve been working with Raman for a past 15 years now, and I’m really impressed with how he handles my financial planning.
He takes the time to understand my goals and gives advice that fits both my current needs and long-term plans.
Raman doesn’t just focus on one area—he looks at everything, from investments to insurance and retirement. It’s great knowing I have someone I trust to help guide my financial future".
— Brad W
Frequently Asked Questions
What makes "83-12 Code Loophole" so Special from others
It lets you legally move and grow corporate retained earnings tax-free—something most strategies can't do.
Is this strategy legal and CRA-compliant?
Yes—it's based on Paragraph 83(2)(b) and Subsection 12.2(1) of the Canadian Income Tax Act.
Do I need to shut down or restructure my corporation to use this?
Not at all—your current corporate structure can typically support this with a few strategic additions.
What’s the minimum income or retained earnings required to benefit from this?
This strategy is ideal for incorporated businesses with at least $100K+ in retained earnings or six-figure annual income.
How does the 83-12 strategy reduce my corporate tax bill?
It converts retained earnings into tax-free capital dividends using CRA-approved structures.
Address
UNit 206 5550 152 Street, Surrey BC V3S 5J9
Phone
(778) 718-8312
© 2025 | Raman Chopra Wealth