Greg Rozdeba
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Helping Canadian business owners keep more of what they build | Co-Founder @dundaswealth | Tax strategies, COLI, estate planning.
How a corporate-owned policy actually works, from Frank Restorick, CFP®: move retained earnings into the contract, it compounds tax-free with a guaranteed annual dividend, and you can borrow against it for real estate or anything else. Funded with corporate profits, so it's built for incorporated owners.
▶️ Full episode: https://youtu.be/A8txq_w5FR0
In Canada, tax-free is rare. Frank Restorick, CFP®, counts the list on one hand: your principal residence, your TFSA, and a couple of strategies around corporate life insurance. The one most owners forget is their small business deduction. Taking full advantage is a huge planning move, but there are steps to set it up right.
▶️ Full episode: https://youtu.be/A8txq_w5FR0
Banks love lending against corporate-owned whole life insurance. Frank Restorick, CFP®, explains why: a guaranteed dividend every year, a death benefit that clears the loan, easily assigned as collateral. "It has the insurance component for sure, but it also acts as an asset."
The caveat: you have to be healthy enough to qualify, and some people wait too long.
▶️ Full episode: https://youtu.be/A8txq_w5FR0
Ep 12 is live: Your Business Is Not a Retirement Plan, with Frank Restorick, CFP®.
Who's going to buy it, and for how much? Frank walks through what to do when the answer is silence: the exit runway, diversifying without gutting the business, corporate-owned life insurance as an asset, and the passive income problem most owners never track.
▶️ https://youtu.be/A8txq_w5FR0
Book a free strategy call: dundaswealth.ca/apply
09/22/2026
Tomorrow at noon I'm sitting down with Karol Pawlina.
Karol's a corporate lawyer at Pawlina Law. He sits on the RIBO Council and CPATA's Investigations Committee. Not a salesperson — and he'll tell you when the right answer is to do nothing.
We're walking through three tests your corporate structure either passes or fails:
→ Exposure: can one claim reach 15 years of savings inside your corporation?
→ Drag: when passive income starts raising the tax on your operating business
→ Exit: the two tests (and the two-year clock) behind the biggest exemption in the Income Tax Act
Then what the fix honestly costs, and who shouldn't bother.
Wed Sept 23 · 12 PM ET / 9 AM PT · free. Link in the comments.
Educational session only — we do not provide tax advice or legal advice.
Term vs whole life, in one breath.
Term: affordable, straightforward, covers you for a set period. Built for mortgages, kids and income replacement.
Whole life: covers you forever, builds cash value, costs a lot more. Makes sense for final expenses, estate planning and certain business strategies.
For most younger Canadian families, term is the answer, and that's what we recommend most of the time.
Not sure which fits you? We compare quotes from 20+ Canadian insurers and walk you through it honestly.
Book a free call with a licensed advisor → https://contact.dundaslife.com/schedule
▶️ Full video on the Dundas Life YouTube channel
Whole life insurance, explained in 30 seconds.
No expiry date — as long as you keep paying, the policy stays active, and whether you pass at 65 or 95 your family gets the death benefit. It also builds cash value: a portion of every premium goes into a savings component that grows tax-sheltered and can be borrowed against or withdrawn later in life.
Sounds great. The catch is what it costs, and who it's actually right for.
▶️ Full Term vs Whole Life breakdown on the Dundas Life YouTube channel.
Book a free call with a licensed advisor → https://contact.dundaslife.com/schedule
Whole life pays brokers significantly more commission than term — Greg says sometimes 3 to 4 times, depending on how you measure it.
That doesn't make every whole life recommendation wrong. But it means you should ask one question: "Why are you recommending this to me?" If the answer doesn't connect to your family, your debts and your goals, be cautious.
At Dundas Life we recommend term when term is right, which is most of the time for families with kids and a mortgage.
▶️ The full Term vs Whole Life breakdown is live now on the Dundas Life YouTube channel.
Book a free call with a licensed advisor → https://contact.dundaslife.com/schedule
Term or whole life? The honest answer depends on your age, your family, and something most brokers won't tell you about how they get paid.
Greg breaks down what each one actually covers, real Canadian premium ranges, when each makes sense, and the commission conversation the industry doesn't love hearing out loud.
▶️ https://youtu.be/wd8je_pJg1Y
Book a free call with a licensed advisor → https://contact.dundaslife.com/schedule
Lifetime coverage and a savings component inside the policy. So why doesn't everyone just buy whole life?
Greg runs the numbers: a 35-year-old paying about $50/month for a 20-year term policy could pay $350 to $500/month for the same $500,000 of whole life coverage.
That gap is the whole conversation. The full Term vs Whole Life breakdown goes live tomorrow morning on the Dundas Life YouTube channel.
Example figures only — your rate depends on age, health and coverage amount.
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