DiscoverCareers in the CloudE36: How to Invest & Save Smarter | Financial Advice for Contractors
E36: How to Invest & Save Smarter | Financial Advice for Contractors

E36: How to Invest & Save Smarter | Financial Advice for Contractors

Update: 2025-07-22
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DISCLAIMER: Mutual funds, approved exempt market products, and/or exchange-traded funds are offered through Investia Financial Services Inc. The comments contained herein are a general discussion of certain issues intended for conversational purposes only.


If you're an incorporated IT contractor or small business owner in Canada, you're probably asking: Should I invest through my corporation, or personally? What are the tax implications, and how can you use smart investing to plan for your family's future?

In this value-packed episode of Careers in the Cloud, we’re joined by Michael Marcucci, Certified Financial Planner at Investia Financial Services, and Frank Pizzimenti, CPA at Alex Pizzimenti CPA Professional Corporation, to demystify corporate investing in Canada.


They answer your most pressing questions, including:

  • What’s the difference between investing your personal income vs. your corporate revenue?
  • What investment options are available to Canadian incorporated contractors?
  • How to build a risk profile for your corporation
  • Can investing through your corporation help fund major life events (home, wedding, kids, retirement)?
  • What are the tax rates and implications for different types of investment income: Interest vs. dividends vs. capital gains
  • What about real estate investing through a corporation?
  • Should you go with direct investing or an investment advisor?
  • What if you have U.S. or offshore investments—are you getting double taxed?
  • How does taxation work when you earn investment income in your corporation and take it out as a dividend?


Whether you're planning for the future, growing your wealth, or trying to avoid tax pitfalls, this episode gives you a strong financial foundation to make smarter decisions with your corporate money.


🎧 Subscribe to Careers in the Cloud for more expert advice tailored to Canadian IT contractors and incorporated professionals.


📬 Need help with contracting, incorporation, or growing your freelance business?

Visit www.montrealassociates.com.


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E36: How to Invest & Save Smarter | Financial Advice for Contractors

E36: How to Invest & Save Smarter | Financial Advice for Contractors

MA (Montreal Associates)