TAX DECISIONS RARELY STAND ALONE Year End Tax Planning After the Policy Dust Settles . The value of year-end planning lies in modelling how transactions interact, then coordinating the order and timing of execution. . Let’s start with a hypothetical scenario where an investor has a concentrated equity position with
THE GREAT WEALTH TRANSFER The Succession Planning Gap . A transfer plan must address ownership, control and readiness, not only who receives an asset. . In Canada, the transfer of substantial wealth is already underway, yet many succession plans remain incomplete. Their reasons are often understandable and include wanting to
From being part of the solution to being part of the problem “A national debt, if it is not excessive, will be to us a national blessing.” – Alexander Hamilton Download this PDF here. Alexander Hamilton understood that debt is not necessarily a burden if it is matched by the
Wall Street’s Red Queen problem “It takes all the running you can do, to keep in the same place.” – The Red Queen; Through the Looking-Glass Download this PDF here. Into the mirror Lewis Carroll’s Through the Looking-Glass imagined a world in which familiar rules ran in reverse. This problem
Canadians are increasingly facing a retirement that may last 20, 30, or even more years. Building a financial plan that can support that reality requires careful consideration of income, investment strategy, taxes, health care costs, and lifestyle goals. In a recent Globe and Mail feature, How to Build a Retirement
History, sovereignty and the next leg for markets “History is a gallery of pictures in which there are few originals and many copies.” – Alexis de Tocqueville Download this PDF here. Prologue A leadership transition is already underway, but much of the market remains anchored to the last trade. Investors
Summer is a time to slow down, spend time with family and friends, and enjoy everything our short Canadian summers have to offer. We asked our team to share some of their favourite things this season, from recipes and local restaurants to travel destinations, books, podcasts, and summer traditions. We
This may sound familiar: your first home started out small, but as your family grew, you needed more bedrooms and a larger backyard. Now the children have left the home, and those bedrooms sit empty — but over the years, rising housing prices may have helped you build significant equity
SUMMER JOB? build rrsp contribution room & a retirement nest egg As the saying goes, “Give the man a fish, and you feed him for a day; teach the man to fish, and you feed him for a lifetime.” The same principle applies to financial literacy. Small lessons introduced early,
What Jevons Paradox Tells Us About the World Around Us Jevons Effect (Jevons Paradox, “Jee-vons”): An economic theory suggesting that efficiency gains can increase, rather than reduce, total consumption. In 1865, British economist William Jevons observed a seeming paradox with the rise of the steam engine and its effect on
housing season IS Back in full swing In 2025, 41 percent of first-time homebuyers received down-payment gifts averaging $74,570, highlighting the significant role family members play in helping the next generation enter the housing market.1 For many high-net-worth families, there is value in seeing wealth put to use during one’s
One of the recurring challenges in writing our quarterly commentary is that by the time it reaches publication, parts already feel dated. This feels especially pronounced today as the pace of change appears to be accelerating. After the S&P 500 declined by roughly 10 percent by the end of March,
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