If you’re an investor, homeowner, or business owner in Vancouver, understanding how to navigate capital gains tax in 2025 is essential for protecting your wealth. At Vancouver Estate Planning, we specialize in helping individuals and families develop smart, tax-efficient strategies that align with their long-term financial goals.
✅ What Is Capital Gains Tax?
Capital gains tax applies when you sell a capital asset—such as real estate, stocks, or business shares—for more than you paid. In Canada, 50% of the capital gain is currently taxable and added to your income. The Trudeau government’s planned increase was not proceeded with.
🏡 Why Capital Gains Tax Matters in Vancouver
With Vancouver’s high property values and active investment market, many residents face significant capital gains when selling or when they pass away:
- Rental or investment properties
- Vacation homes
- Stocks and mutual funds
- Small business shares
Without proper planning, these gains can result in large tax bills—especially for estates or retirees.
💡 Capital Gains Tax Planning Strategies
At Vancouver Estate Planning, we help clients across BC implement proven strategies to reduce capital gains tax, including:
- Timing asset sales to stay under the $250,000 threshold
- Offsetting gains with capital losses from other investments
- Using the Principal Residence Exemption for your primary home
- Leveraging the Lifetime Capital Gains Exemption (LCGE)—now up to $1.25 million for small business, farming, and fishing property
- Donating appreciated securities to eliminate tax on gains
🧾 Capital Gains and Estate Planning
Capital gains tax is a critical part of estate planning in British Columbia. When assets are passed on after death, they are considered “deemed disposed,” which can trigger significant capital gains. We help clients:
- Minimize taxes on inherited property
- Use trusts and insurance to protect estate value
- Plan for intergenerational wealth transfers
📍 Local Expertise, Personalized Advice
As a Vancouver-based firm, we understand the unique tax challenges and opportunities in BC. Whether you’re preparing to sell an investment property, planning your retirement, or organizing your estate, our team provides customized capital gains tax planning tailored to your situation.
📞 Ready to Reduce Your Capital Gains Tax?
Contact Vancouver Estate Planning today to schedule a consultation and start building a tax-smart strategy for 2025 and beyond.