HOMEPAGE CONCEPT — iWIN Wealth Planning — May 2026 — Remove this banner before presenting
Canada's Integrated Wealth Planning Firm for Entrepreneurs

Real estate built
your wealth.
Now protect it.

You've spent years building a portfolio and a business. But without the right structure, taxes, risk, and missed planning windows can undo most of it. We bring together a Realtor, a CPA, and a financial consultant who actually work together, so you stop losing ground to gaps between people who should be aligned.

Book a Discovery Call Watch how it works (2 min)
Start Here — Free Assessment
Wealth Readiness Quiz
Answer 5 questions. Find out where your real exposure is — before it costs you.
1
Tell us about your portfolio and business structure
2
We identify your tax, estate, and insurance gaps
3
You get a personalized planning roadmap, free
Take the Wealth Readiness Quiz →
Takes 3 minutes. No email required to see your results.
$500M+
In investor transactionsAcross Ontario clients
4x
Realtor of the YearTo Investors — Erwin Szeto
#81
Business podcast worldwideTruth About Real Estate Investing
500+
REI investor clientsServed by Cherry Chan CPA
The problem most investors ignore

You're running three separate
conversations. None of them
talk to each other.

Your accountant files the returns. Your advisor manages the RRSP. Your realtor handles transactions. Each one sees a piece of the picture, none of them see all of it — and the gaps between them are where wealth gets destroyed.

⚠️
Properties held in your personal name
No corporate structure means full CRA exposure on deemed disposition at death. With $2M+ in equity, you could be leaving a $400K tax bill your family can't pay without selling assets.
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Insurance that doesn't match your actual exposure
A group policy from your employer was designed for an employee. It wasn't built to cover a $2M+ real estate portfolio, a business, and a family who depends on both.
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A holdco that isn't doing what it should
A corporate structure created years ago without a current plan may be costing you on passive income thresholds, QSBC eligibility, or estate freeze timing. The window closes faster than most people realize.
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A will that doesn't reflect what you've actually built
Most investors update their will once, early on, before the properties existed. That document doesn't address deemed disposition, spousal rollovers, or which assets go to whom without triggering a tax event.
The cost of waiting
"If you died tomorrow with 4 properties in your personal name, here's what happens to your family."
CRA triggers deemed disposition on every property. Your estate owes capital gains taxes on the full accrued gain. If there's no liquidity plan, your family is forced to sell assets at the worst possible time, at whatever price the market offers, while grieving.
This isn't a worst-case scenario. It's what happens by default when there's no plan. The tax exposure grows every year the portfolio grows. Every year you defer is a year it gets harder to fix.
$400K+
Typical CRA exposure on a 4-property personal portfolio
$0
Liquidity most families have to pay it without selling
One team. One integrated plan.

The only firm in Canada
that brings all three together.

iWIN combines a licensed Realtor, a CPA, and a registered financial consultant under one roof. Not three separate advisors who hand you off to each other. One team that sees the full picture: your real estate, your business, your insurance, and your estate, all in a single tax-smart strategy.

ES
Erwin Szeto
Licensed Realtor — Real Estate Investment Specialist
$500M+ in income property transactions across Ontario
4x Realtor of the Year to Investors
Host of "Truth About Real Estate Investing" — #81 business podcast globally
Active investor himself — understands portfolio structure from the inside
"I'm not just a Realtor. I've built my own portfolio the same way my clients have. When I talk about the problems, I'm talking about ones I've lived through."
CC
Cherry Chan, CPA
Chartered Professional Accountant — Real Estate Tax Specialist
500+ real estate investor clients served
Author of "The Complete Taxation Guide to Canadian Real Estate Investing"
Founder of RealEstateTaxTips.ca
Specializes in corporate structuring, estate freezes, and capital gains planning
"Most investors are paying CRA far more than they have to. Not because of anything illegal, but because nobody put a real plan together before it was too late."

Together: one integrated strategy.

Erwin sees the real estate. Cherry sees the tax. Your financial consultant sees the insurance and estate picture. They work together, not in parallel, so nothing falls through the cracks between them.

Book a Discovery Call →
How it works

From confusion to clarity
in three steps.

1
Discover
We review your full picture: properties, business structure, insurance, existing plans. No judgment, no sales pitch. Just a clear-eyed look at where you are and where the gaps are.
2
Design
Our team builds an integrated plan that addresses your tax exposure, protects your assets, and creates a clear path for your estate. One strategy, not three separate recommendations that don't talk to each other.
3
Deliver
We implement, coordinate with your existing advisors, and stay in your corner as your portfolio evolves. Your plan isn't a document, it's an ongoing relationship built around your goals.
What we do

Everything your wealth needs.
Under one roof.

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Integrated Wealth Planning
Our flagship engagement. We combine tax strategy, real estate planning, insurance, and financial planning into a single, coordinated plan built specifically for Canadian entrepreneurs and investors. This is what iWIN was built to do.
How it works →
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Insurance Solutions
Insurance designed around your actual exposure, not your employer's group plan. We structure policies that cover your portfolio, fund your estate's tax liability, and protect your family's ability to hold assets through a transition.
Explore insurance →
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Real Estate Investment Guidance
Income property strategy backed by $500M+ in client transactions. We help you buy the right properties, structure ownership correctly from day one, and build a portfolio that holds up under a tax and estate review.
See the track record →
Client results

Real investors. Real plans.
Real peace of mind.

★★★★★
"We had four properties and a holding company and had no idea how exposed we were until Erwin and Cherry sat down with us. They showed us what the estate would actually look like — and it wasn't pretty. Six months later we have a real plan and I actually sleep at night."
J
Jonathan M.
Real estate investor, Hamilton, ON
★★★★★
"My accountant was good, but he was a generalist. He didn't know the real estate side and Cherry knew things I'd never heard of — the capital dividend account, the insurance-inside-corp structure, the freeze. I'd been leaving money on the table for years."
C
Carla D.
Business owner + investor, Mississauga, ON
★★★★★
"What made the difference was that they actually talk to each other. My old advisors handed me off. iWIN sat me down with all three people in the room and built the whole plan together. That's how it should work."
P
Peter K.
Contractor + 6-property portfolio, GTA
Your next step

Stop worrying.
Start planning.

A 30-minute discovery call with our team will show you exactly where your real exposure is and what an integrated plan looks like for your specific situation. No pitch, no pressure. Just clarity.

Book Your Discovery Call Take the Wealth Readiness Quiz First
Serving Canadian entrepreneurs and real estate investors across Ontario