Solving The Retirement Funding Puzzle
September 20, 2023 Download as PDF While generally a cause for celebration, retirement often comes with its fair share of financial anxiety. Research indicates that many people fear outliving their savings, resulting in an inability to enjoy life to the fullest throughout retirement. Advisors can assist clients with sorting out what has been called the […]
September Market Insights: The Fed’s High-Wire Act
September 13, 2023 Discretion is the Better Part of Valour “We are navigating by the stars under cloudy skies.” – Chairman Jerome H. Powell, August 25, 2023 Download this PDF here. The adage, “Discretion is the better part of valour,” has never been more pertinent as the U.S. Federal Reserve cautiously navigates between the perils […]
August Market Insights: Unveiling The Crystal Ball
August 16, 2023 A Glimpse Into The Future Of Financial Markets From 2024 To 2030 Download this PDF here. In early 2021, I presented a thesis regarding the latest inflation episode and its potential economic implications. At that time, I shared a perspective that differed from the prevailing narrative. Allow me to recapitulate my viewpoint. […]
RESP Withdrawal Decision Tree
August 9, 2023 Download this article as a pdf When withdrawing from an RESP, there are a variety of considerations to keep in mind, such as is this the first time the beneficiary is attending post-secondary education, are they attending full or part-time, and what makes the most sense – withdrawing EAP and/or PSE. This […]
Maximizing Your RESP: Withdraw Wisely
August 8, 2023 Download this article as a PDF. A Registered Education Savings Plan (RESP) is a Canadian registered investment account that promotes saving to support a beneficiary’s post-secondary education. Anyone — parents, family and friends — can open a RESP as a “subscriber” for the benefit of a child. Invested contributions grow tax free. […]
2023 Personal Tax Planning Cards
July 28, 2023 Download our province and territory-specific 2023 Personal Tax Planning Cards below. Alberta Tax Planning Card British Columbia Tax Planning Card Manitoba Tax Planning Card New Brunswick Tax Planning Card Newfoundland and Labrador Tax Planning Card Northwest Territories Tax Planning Card Nova Scotia Tax Planning Card Nunavut Tax Planning Card Ontario Tax Planning […]
Making the Most of Canadian Registered Accounts: A Quick Reference Guide
July 26, 2023 Download this article as a PDF. Canadians have access to a plethora of tax-preferred vehicles for saving and investing, each of which provides unique planning opportunities and trade-offs, as well as their own rules and conditions that must be followed. With so many options, determining the best use for each type of […]
Intergenerational Business Transfers: Where are we now?
July 26, 2023 Download this article as a PDF. The transfer of family businesses to the next generation has long been a contentious tax issue. Owners rightfully expect the same tax benefits when selling their businesses to their children or other relatives as if they had sold to a third-party purchaser. Fiscal policy, meanwhile, aims […]
The Ins and Outs of RDSPs
July 13, 2023 Download this article as a PDF. A Registered Disability Savings Plan (RDSP) is a tax-sheltered savings vehicle designed to help families ensure the long-term financial security of a loved one affected by disability. There are several key benefits: • Assets within an RDSP do not affect the beneficiary’s eligibility to receive government […]
Wall Street Is About To Embrace Crypto, And It’s Not What You Think!
July 10, 2023 A New Era Is Upon Us Download this PDF here. “Nothing is more powerful than an idea whose time has come.” – Victor Hugo There is an old saying, “never let a good crisis go to waste.” And true to form, Wall Street is capitalizing on the current chaos within the digital […]