Dividend Detective
Continuous cashflow for dividend detectives, Watsons, retired doctors and DIY pension builders. Champion CEF income, an RRSP/RRIF clinic, and an advisor and dealership DNA diagnostics hub, all in one place.
An interactive software and AI-agent platform, not a wealth manager.
Four ways in
Community Club
Members-only space for dividend detectives, Watsons and retired doctors, with encrypted messaging and a mobile app.
Pro Shop
Commerce for DIY investors, with R-Ticket $5 and I-Ticket $45 USD/month tools, advisory tiers and partner offers.
Cash Cows Clinic
RRSP/RRIF decumulation clinic and Champion CEF continuous cashflow, built to defuse the 53.53% tax cliff.
DNA Diagnostics
Central hub for advisors and dealerships to diagnose structure, tax exposure and the Dividend Detective model fit.
Cash Cows Clinic · The problem
$1 Trillion CAD in Deferred Taxes is
Trapped in Oversized 7 Digit RRSPs.
Postponing Review of the Digits and Zeroes May Lead
To Net Worth Shrinkage and Losing Money by Default.
Decumulation ? Very Debatable Idea. Unless You
Are Willing and Able to Squander and Surrender
53,55. Solutions ? Get a 20/20 Zoom Demo. Free.
$1M + Regulated &Registered.
Club Dividend Detective (Canada) RRSP/RRIF Clinic for Club members. Who are they mostly?
Expat Pros Working Abroad.
Primarily in the US, with cross-border tax exposure & related taxation complexities.
An interactive software and AI-agent platform, not a wealth manager.
See the free Zoom demo
Cash Cows Clinic · The tax cliff
Catch 72 : RRIF or no RRIF the TAX CLIFF Will dump your into 53.53% Top Brackets
53.53%
Ontario's top marginal tax bracket
5.4 at 72. 10 at 88. 15 at 92. 20 at 95.
Mandatory RRIF minimums rise to 8.08% at 82 and reach 20.0% a year from 95, forcing taxable income whatever the markets do.
Forced income wipes out Old Age Security
15%
OAS recovery tax from about $93k-$95k of net income (indexed annually)
Full forfeiture above about $148k-$150k
Up to about $8,400+ CAD per year of OAS lost
Mandatory 15% clawback
On net worldwide income, starting around $93k-$95k
A $2M RRIF triggers over $1M in estate tax
53.53%
Ontario top rate on the remaining RRIF at the second death
On the second spouse's death, the entire fair market value of the remaining RRIF is included in terminal-year income. Estate tax exceeds $1M CAD on filing (BC 53.50%, Quebec 53.31%).
DNA Diagnostics · Why now
Why now: four forces converge
The peak RRIF demographic wave
The leading edge of the boomer generation has crossed 71, triggering the largest mandatory RRIF liquidation wave in Canadian history.
$1 trillion estate cliff
The greatest intergenerational wealth transfer in North American history is colliding with Canada's 50%+ terminal deemed-disposition tax rates.
Expatriate and cross-border friction
Canadian tech executives, physicians and financial professionals in the US face conflicting dual-jurisdiction tax treatment of their RRSP assets.
Self-directed maturation
Affluent investors reject 1.25% generic mutual fund fees and want algorithm-driven DIY tools on IBKR, paired with surgical fiduciary advice.
Champion CEF · Continuous cashflow
A Dependable Investment Yield Individualized Pension
The DIY IP converts vulnerable capital into dependable yield.
Canadian Capitalist never handles client capital, holds no custodial accounts and gives no securities advice. Raymond James handles custody and execution; JP Laporte handles legal structuring.
N.I.C.E.
Built with our proprietary Net Income & Cashflow Engine.
See the demo
Cash Cows Clinic · Liberty LV
Liberty LV: the Value Lasagna
Four layers, less waste, more wealth
Layer 1 Foundation: decumulation smoothing, ages 55-71
Controlled spousal drawdowns defang the 53.53% bracket and preserve OAS.
Layer 2 Filling: dual-border corporate arbitrage
12% CCPC rate, positioned for the Buffalo 10-yr holiday and Ontario 40% OIDMTC.
Layer 3 Cheese cap: Dynasty IPP estate shield
Generational corporate pension rollover replaces the RRSP deemed-disposition cliff.
Layer 4 Golden crust: dividend yield and execution engine
Solactive index, Raymond James custody at 0.45%, R-Ticket $5 and I-Ticket $45.
Three levers: Tax rate shrunk (draw $1M-$2M early, ages 55-71) · Assets shielded (IPP, about $2,500/yr admin, tax-free to heirs) · Incentives captured (12% CCPC rate, NY/Ontario tech holidays)
Zero beef. Zero pet peeves. Zero guesswork.
Pro Shop · Commerce
A 4-tier value ladder
B2B licensing add-on: automated client acquisition and fiduciary routing; Raymond James custody at an intro 0.45% fee.
Pro Shop · Advisor and dealership partners
Revenue split by account size
Legal fees scale down by $200 CAD per $100k below $1M. $5M+ CAD is negotiated at 1%, institutional tier.
Raymond James (Toronto) custodies accounts. JP Laporte is a Toronto-based bilingual cross-border tax attorney, licensed in Canada and the US, specializing in pensions and IPP.
Community Club · Mobile app
Native Mobile iOS & Android Application. Encrypted Messaging & Freemium Features.
Clients reach portfolio managers and cross-border counsel directly. Base features are free after a structured Zoom consultation. Platform net year-1 revenue: about $2,000 to $5,250 CAD by account size.
$300 USD
Stress-tested spend: 2x buffer at $3.00 USD CPI
100 installs
Base CPI $1.55 USD; LinkedIn ~95%, YouTube ~5%
~10 Zoom demos
Qualified prospects
1+ funded account
CAC $300 USD per funded account; year-1 CAC payback 6.6x to 17.5x
Year-1 CAC payback: 6.6x at $750K (about $2,000 CAD net), 10.0x at $1.0M (about $3,000), 17.5x at $1.5M (about $5,250), plus software sales.
Champion CEF · Indexes and ETF economics
Ancillary Indexes & ETF Economics
Asset-Light Institutional Structuring with Solactive & ETF Architect
75 bps total MER
vs 85 bps legacy: 25 bps infrastructure (ETF Architect: trust, compliance, custody; Solactive: index calculation) + 50 bps IP and algorithmic index licensing fee, not a management fee
$1.25M CAD recurring revenue
50 bps net IP licensing fee retained by Canadian Capitalist (Ontario Corp) at $250M AUM; gross pool $1,875,000, infrastructure $625,000
$200M–$300M CAD capacity
Proprietary index capped at this capacity
$5M–$6M CAD enterprise value
At 4x–5x: 4x = $5M CAD, 5x = $6.25M CAD
DNA Diagnostics · Corporate architecture
Canadian Capitalist Inc. Ontario Corp as the IP Plus Technology Core.
A pure technology and media entity: software publisher, proprietary financial optimization engines, animated AI interactive agents and digital decumulation interfaces.
Zero regulatory overhead
No securities registration and no client-capital handling
Dual subsidy capture
Structured and positioned to pre-qualify for the Ontario 40% refundable Digital Media credit (OIDMTC) and Buffalo 10-year fintech tax holiday, with professional legal and tax oversight ensuring the platform is properly structured for these incentives.
CCPC federal tax rate: 9% or 15%
Passive income has to remain under $50k CAD/year. Ontario adds 2.2 % for CCPC & 11.5 % for larger firms.
DNA Diagnostics · Model comparison
A software platform, not a traditional wealth firm.
Meet Licensed Professional Coaches Who are CEF Arbitrage and Indexing
Specialists Working For Your Family. Book a Zoom Demo. Test Our Tools.
Knowledge Pays Best Dividends To Curious People who Express Interest.
Pro Shop · Exit strategy
The Tax-Free Exit Strategy
ARR
Scaling the monetization flywheel to $8M-$9M CAD ARR within 36 to 48 months, across SaaS subscriptions, software tools and Solactive/ETF Architect IP licensing
Small-business capital gains exemption
Structured and positioned to pre-qualify as a developer of interactive software and proprietary index algorithms, with professional legal and tax oversight ensuring the platform is properly structured for these incentives
Designed as a tax-free liquidity event for the founding team, subject to qualification.
DNA Diagnostics · Risks and open items
What could change the model
Exemption longevity
The $15M tax-free exemption is estimated at 5+ years and is subject to future legislative change.
Mitigation: re-test the plan against each legislative change.
OAS eligibility
For cross-border clients, depends on residency status under bilateral treaties.
Mitigation: confirm residency status before onboarding cross-border clients.
Expansion
UK, Australia and broader US markets are planned after Canadian model saturation.
Mitigation: expand only after the Canadian model is saturated.
Timing
Active investor discussions are underway, with a near-term closing window.
Mitigation: move quickly while investor discussions are active.
Community Club · Join the build
$200k-$300k CAD for 10-15% equity
$2M CAD pre-money
About $1.5M USD
Minimum check $20k CAD
Allocation: 90% LinkedIn user acquisition, 10% core working capital.
FAQ
Questions detectives ask
Is Dividend Detective a wealth manager?
No. It is an interactive software and AI-agent platform. Canadian Capitalist never handles client capital, holds no custodial accounts and gives no securities advice. Raymond James handles custody and execution; JP Laporte handles legal structuring.
Who is the Cash Cows Clinic for?
Mostly Canadians with $1M+ in regulated and registered accounts (RRSP/RRIF), and expat professionals working abroad, primarily in the US, with cross-border tax exposure.
Why does the RRIF tax cliff matter?
Mandatory RRIF minimums rise from 5.4% at 72 to 20% a year from 95, forcing taxable income. Ontario's top marginal rate is 53.53%, and OAS recovery tax of 15% starts around $93k-$95k of net income.
What does the Pro Shop offer?
Tier 1 R-Ticket research at $5 USD/month, Tier 2 I-Ticket execution on Interactive Brokers at $45 USD/month, discretionary advisory at 25 to 40+ bps net, and an ETF wrapper.
What is the Community Club?
A members community with a native iOS and Android app, encrypted messaging with portfolio managers and cross-border counsel, and free base features after a structured Zoom consultation.
How do I get started?
Book the free Zoom demo
Next steps for prospects who want legal structure incorporated into plans & execution.
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