"Personal Tax Planning is a great ‘one-stop’ tax guide. It covers all the fundamentals, including tax credits, provincial comparisons, and tax planning ideas, in a well-organized and easy-to-read format. It is more sophisticated and has much more clarity than most tax planning books on the market. I’ve read it annually for many years, and I regularly recommend it to others"
karen horcher, cfa, cga

Karen Horcher provides finance, treasury, and capital markets consulting services and training to international corporations, financial institutions, and governmental organizations. With a background in international banking and trading, Karen is the author of numerous articles and several finance books, including Essentials of Financial Risk Management and Essentials of Managing Treasury, both published by Wiley. She is also a frequent speaker on financial and related topics.

"Effective tax planning is the interpretation and application of the law in order to minimize or defer your or your client’s tax liability. This book will certainly help you do that with lots of ideas to consider in various circumstances. If you are considering income splitting techniques, tax advantage investments, or deferred income plans this book will help. I have been involved in the tax field, both domestically and internationally, for over 30 years. Overall, I find the book a helpful source of information whether you are an individual or in public practice doing tax returns."
glen schmidt, ba, fcga

Glen Schmidt is President of GTS Seminars, an Ontario corporation focusing on professional development products and training for accountants. Previously, Glen had 26 years of experience with the Canada Customs and Revenue Agency, primarily in the audit, verification, and enforcement and appeals divisions. Glen is a member of the Panel of Experts, Taxation, Fiscal Affairs Department for the International Monetary Fund.

• "Easy to read, understand, and quickly find what you are looking for." kelly hudson, cga


• "Fabulous resource guide — complete, concise, and well organized!" debra feltham, cga


• "I really enjoy the book and use it as a reference guide every year when doing up my taxes."
  paul blanchard, student in the cga program


• "As a professional accountant, Personal Tax Planning is on my desk all year long. It is one of
  my go-to resources for quick information." chris button, cga


• "A handy little reference book for accountants and tax payers alike!" anne casey, cga


• "I find the Personal Tax Planning book very well laid out — easy to find answers to those
  difficult tax questions quickly." karen miller, cga


• "Personal Tax Planning is a quick tax resource that is written in plain English that both
  clients and tax preparers find useful in preparing and getting prepared for tax season."
  linda cole, cga


• "Great source of information at your finger tips." franca ricciardi, cga


• "The Personal Tax Planning book is very useful as a quick reference compared to the Income
  Tax Act. I worked over 12 years with 'Canada Revenue Agency' and very often, I used the
  external sources to get the information, then go back to the actual Income Tax Act to get
  the exact wording of the legislation and the interpretation. The Personal Tax Planning book
  is one the external sources that I often used."
  marine ng, cga


• "The Personal Tax Planning book is clear and concise, and I look forward to receiving a
  copy each year." shelly hacault, cga


• "Very helpful, concise tax tips. I don't do my taxes without it as a reference." judy orr, cga


• "This short, concise guide easily guides the reader to useful, relevant information that can be
  used year round for better tax planning." kevin baxter, student in the cga program


• "All important info in one convenient spot!" michael mcgovern, cga


• "Great reference book and an excellent tool at tax time and for the year. Easy to read
  and understand." todd wright, cga

The Certified General Accountants Association of Canada offers thanks to Jeff Buckstein, CGA, for revising Personal Tax Planning 2011-12.

Thanks also to contributors Howard Gangbar, CGA; Alex Ghani, CGA; Larry Hemeryck, CGA, AMCT, CFP, CPC; Mark Markandu, CGA; Paul McVean, CGA; Cheryl Mont, CGA; Steve Richmond, CGA: Anil Sharma, CGA; Vivek Sharma, CGA; and reviewers Kim Boswell, CGA; Philip Bright, CGA; Rajendra Kushwah, MCom, CGA; John Parsons, CGA; Blair Stotesbury, CFP, CGA;Denise Wright-Ianni, CGA; and Wendy Zhan, CGA. Many thanks to CGA Ontario for providing significant technical content, writing, and editing services, as well as to CCH Canadian Limited for providing valuable information that was used in this book.

While great care was taken to ensure the accuracy of the information in Personal Tax Planning
2011–12, CGA-Canada does not assume liability for financial decisions based solely on it, nor for errors or omissions. Readers are advised to contact their Certified General Accountant with specific questions or concerns.