{"id":4985,"date":"2016-06-23T15:49:03","date_gmt":"2016-06-23T19:49:03","guid":{"rendered":"https:\/\/wwwprodaz.fprofessionnels.com\/en\/?page_id=4985"},"modified":"2026-01-05T10:44:55","modified_gmt":"2026-01-05T15:44:55","slug":"why-incorporate","status":"publish","type":"page","link":"https:\/\/www.fprofessionnels.com\/en\/your-goals-your-wealth-management\/incorporate\/why-incorporate\/","title":{"rendered":"Why incorporate?"},"content":{"rendered":"<h3>Tax deferral<\/h3>\n<p>In Quebec, according to 2026 tax brackets, the business income tax rates are:<\/p>\n<ul>\n<li>0.0% to 53.3% for an unincorporated professional<\/li>\n<li>12.20 %, 20.50 % or 26.50 % for a company<\/li>\n<\/ul>\n<p>A substantial difference that can translate into a tax deferral of up to 35.3% if surpluses are kept in the company.<\/p>\n<h3>Income splitting<\/h3>\n<p>Paying a dividend to members of your family can be advantageous depending on their situation and their income. However, a dividend paid to a family member is generally taxed at the maximum rate, with certain exceptions. The dividend paid will then be taxed at graduated rates.<br \/>\nThe main exceptions for family members are as follows:<\/p>\n<ol>\n<li>Reasonable dividend for work done<\/li>\n<li>Work of at least 20 hours per week, done throughout the year<\/li>\n<li>Company owner 65 years of age or older who pays a dividend to his or her spouse.<\/li>\n<\/ol>\n<p><strong>Other advantages of incorporation<\/strong><\/p>\n<ul>\n<li>Transferable property<\/li>\n<li>Separate and ongoing legal entity<\/li>\n<li>Limited liability<\/li>\n<li>Availability of the capital gains deduction<\/li>\n<li>Payment of life insurance<\/li>\n<li>Debt repayment for business purposes<\/li>\n<\/ul>\n<p>In short, incorporating means establishing a company in which to practice your profession. When it is well structured, it can offer you many advantages.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Tax deferral In Quebec, according to 2026 tax brackets, the business income tax rates are: 0.0% to 53.3% for an unincorporated professional 12.20 %, 20.50 % or 26.50 % for a company A substantial difference that can translate into a tax deferral of up to 35.3% if surpluses are kept in the company. Income splitting <a class=\"read-more\" href=\"https:\/\/www.fprofessionnels.com\/en\/your-goals-your-wealth-management\/incorporate\/why-incorporate\/\">[&#8230;]<\/a><\/p>\n","protected":false},"author":6,"featured_media":4101,"parent":1670,"menu_order":1,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"footnotes":"","_links_to":"","_links_to_target":""},"categorie-de-page":[],"class_list":["post-4985","page","type-page","status-publish","has-post-thumbnail","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v26.9 (Yoast SEO v26.9) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Why incorporate? &#8902; fdp Gestion priv\u00e9e<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.fprofessionnels.com\/en\/your-goals-your-wealth-management\/incorporate\/why-incorporate\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Why incorporate?\" \/>\n<meta property=\"og:description\" content=\"Tax deferral In Quebec, according to 2026 tax brackets, the business income tax rates are: 0.0% to 53.3% for an unincorporated professional 12.20 %, 20.50 % or 26.50 % for a company A substantial difference that can translate into a tax deferral of up to 35.3% if surpluses are kept in the company. 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