You can set up family trusts. You can purchase synthetic ETFs where there is no distribution until they are sold.  You can avoid capital gains tax by making charitable donation of equities with the most capital gains.  At retirement, you can convert non-registered assets which have little capital gains into annuities, where part / most of the distribution is tax-free return of capital. It might even work to invest in life insurance policies, where by a quick of tax law the payouts are tax-free.