The proposed* increases to the capital gains inclusion rate have prompted some investors to ask the tax-planning question: To defer, or not to defer? Tax deferral is commonly viewed as a way for investors to create greater future returns, since funds that might otherwise go to paying tax can remain invested for longer-term growth. Yet, […]

It has been said that “if you are what you do, when you don’t…you aren’t.” As you think ahead, have you contemplated a plan for what you will do in retirement?   Many of us plan by working hard, saving consistently and investing for the future to ensure a financially secure retirement. As stewards of […]

As the “Magnificent 7” stocks – Apple, Amazon, Alphabet, Meta, Microsoft, Nvidia, and Tesla – surged to start 2024, there has been much discussion about their growing concentration in the U.S. equity markets. By the start of February, their combined market capitalization represented one-third of the S&P 500 Index, with a value that would make […]

It is personal income tax season once again. Given increasing interest rates, don’t overlook the importance of filing your taxes and paying balances and instalments on time, as interest assessed on insufficient payments can be significant.   Tax Filing Deadlines – The general deadline to file your 2023 personal income tax and benefit return is […]

Now that spring has sprung many of us are in spring cleaning mode, perhaps you are looking for a bit of motivation when it comes to your finances. Here are five wealth planning questions that may be answered by simple “rules of thumb.” These may spark meaningful discussions about wealth management, budgeting, or family and […]

For business owners or incorporated practitioners that generate surplus funds not required to meet personal lifestyle needs or the needs of the business or practice, the question becomes how to maximize the value of these funds? As personal marginal tax rates can be significant, does it make sense to simply invest the surplus funds within […]