Wealth Architecture Master Course
The first time Wallace is publicly teaching the complete framework he's spent the last decade refining with high-income Chinese-Canadian clients — from tax architecture and leveraged investing, to insurance as capital and multi-generational wealth transfer. Every module is built on real client cases with step-by-step execution.
Curriculum
Five Core Modules
Tax Architecture for High Earners
How to legally restructure your income, investments, and corporation to drop your effective tax rate by 5–15 percentage points — without aggressive schemes.
Leveraged Investing: When It Works, When It Kills You
The full investment-loan playbook: TDSR math, carrier selection, tax-deductibility traps, and the 3 client profiles where leverage actually compounds wealth instead of compounding risk.
Insurance as Capital, Not Just Protection
Whole life and segregated funds reframed as financial instruments: cash value as collateral, intergenerational transfer mechanics, and the math behind "buy term and invest the difference" — when it's wrong.
Retirement Income Architecture
Sequencing CPP, OAS, RRSP, TFSA, and corporate dividends so you keep more after tax — the meltdown strategy, GIS clawback avoidance, and survivor-income planning.
Estate & Multi-Generational Wealth Transfer
Probate avoidance, capital gains deferral at death, foreign-asset reporting, and the family trust structures that actually hold up when one generation inherits from another.
Who It's For
Built For Four Profiles
- High-income professionals earning $150K+
- Business owners with retained earnings inside a CCPC
- Pre-retirees within 10 years of retirement planning a meltdown
- Anyone who's been told "just buy term and invest the difference" and wants the full picture