How to Use the Capital Control System to Keep More of Your Money
by Brad Bidner
3 min read
For most Canadians, earning more money doesn’t always mean keeping more. Between taxes, bank fees, and financial restrictions, a huge chunk of your income disappears before you even get to use it.
The traditional system - RRSPs, savings accounts, and bank loans - wasn’t designed to benefit you. It was built to benefit the banks and the government.
But what if you could flip the script? What if you could grow your money tax-free, access it whenever you need it, and stop relying on banks?
That’s exactly what the Capital Control System allows you to do.
1. The Problem: Why Most People Lose Control of Their Money
The financial system is set up to keep you dependent on banks and the government:
RRSPs lock your money away until retirement and the CRA takes a big cut when you withdraw.
Banks lend out your savings while paying you almost nothing in interest.
Loans and credit lines come with high interest and strict approval requirements.
The CRA claims a massive portion of your earnings in taxes every single year.
If you’re a self-employed professional, business owner, or high-income earner, you know the struggle. You make great money, but you feel like you’re always handing it over to banks and the government.
The good news? There’s a better way.
2. The Solution: How the Capital Control System Works
Instead of following the traditional financial model that benefits everyone except you, the Capital Control System gives you a way to store, grow, and access your money on your own terms.
Here’s how it works:
✔️ Your money grows tax-free – No CRA penalties when you access it.
✔️ You can access your money anytime – No age restrictions, no withdrawal limits.
✔️ You can borrow from yourself – Instead of paying banks interest, you pay yourself back.
✔️ You maintain full control – No government interference, no forced withdrawals.
With this system, you become your own bank.
3. Who Can Benefit the Most?
The Capital Control System works for anyone who wants to keep more of their money and stop relying on traditional banks.
🔹 Self-Employed Professionals (Tattoo Artists, Barbers, Creators, Performers)
✅ Predictable Cash Flow – Borrow from yourself instead of relying on high-interest credit cards.
✅ Tax-Free Growth – Keep more of what you earn, without CRA penalties.
✅ More Financial Freedom – No waiting for loan approvals, no financial stress during slow months.
🔹 Business Owners (Tattoo Shops, Barbershops, Entrepreneurs)
✅ Business Expansion Without Banks – Use your own banking system to fund business growth.
✅ No More High-Interest Business Loans – Access your own capital on demand.
✅ Maximize Tax Benefits – Grow your business while keeping more of your profits.
🔹 High-Income Earners & Incorporated Professionals (CIRP Strategy)
✅ Tax-Free Retirement Income – Move money out of your corporation without CRA penalties.
✅ Wealth Protection & Legacy Planning – Build financial security for yourself and your family.
✅ Reduce Your Tax Burden – Legally keep more of what you earn every year.
4. How to Get Started with the Capital Control System
Using this strategy to take back control of your money is easier than you think. Here’s how to get started:
Step 1: Redirect Your Savings
Instead of putting all your money into an RRSP or traditional savings account, you move it into a high cash value participating whole life insurance policy - structured for tax-free growth and liquidity.
Step 2: Leverage Your Own Banking System
Once your money is in the system, you can borrow against it whenever you need it - for business investments, large purchases, or unexpected expenses - without interrupting your growth.
Step 3: Keep Your Money Growing While You Use It
Unlike a traditional savings account, when you borrow against your policy, your money continues to grow tax-free, earning compound interest and dividends.
This means you can use your money while it continues working for you.
5. Why This Works: The Wealth Strategy Banks Don’t Want You to Know
The wealthy have been using this strategy for generations but most financial advisors and banks won’t tell you about it because they can’t profit from it.
Instead of depending on banks and government programs, you can take back control and build wealth on your own terms.
✔️ Tax-Free Growth.
✔️ No Government Restrictions.
✔️ Full Financial Control.
The Bottom Line: Keep More of Your Money & Take Control
If you’re tired of losing your hard earned money to taxes, banks, and financial restrictions, the Capital Control System is your way out.