Market data

How much life insurance do I really need?

Monday, June 16, 2014

In determining how much life insurance one really requires, there are a number of factors that need to be examined. The need for life insurance can be divided into two categories – capital needs and income needs...
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Using life insurance for charitable donations

Wednesday, May 21, 2014

If you have a desire to make a donation to your favourite charity, you might want to investigate how significant bequests can be made using life insurance on your life. Generally, strategies utilizing life insurance for charitable purposes fall into two categories...
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Taxation of life insurance – new rules create opportunities

Monday, April 14, 2014

In November, the Department of Finance finalized their changes to the taxation of life insurance as previewed in the March 2013 Federal Budget. These changes resulted in an update to the “exempt test” which determines how much tax-deferred value can accumulate in a life insurance policy before it is subject to accrual taxation. The new rules take effect and will apply to policies issued January 1, 2016 and later...
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Estate Planning Tips for Real Estate Investors

Friday, March 14, 2014

For many Canadians, the majority of their wealth is held in personally-owned real estate. For most, this will be limited to their principal residence; however, investment in recreational and real estate investment property also form a substantial part of estates. Due to the nature of real estate, it is important to do estate planning to realize optimum gain and minimize tax implications.... Read more
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A New Year’s Resolution You Shouldn’t Break – Saving For Retirement!

Friday, February 14, 2014

Many of us set New Year’s resolutions for ourselves and often those resolutions have to do with finances. January is the month we say, “Ok, this year I am going to save more and spend less”. By February, sometimes those resolutions are long forgotten....
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Segregated Funds - Investing with a Safety Net

Thursday, January 16, 2014

Investing today is not for the faint of heart. Fortunately for Canadians, segregated fund products offered by many life insurance companies provide a safety net for nervous investors....
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Family Business Succession, Estate Equalization and Wills Variation Act

Wednesday, December 18, 2013

When dealing with the estate planning of a family business, it is particularly important to consider the issue of estate equalization. One of the common objectives in a family business succession plan is to treat the children fairly and/or equally. This can be problematic in that...
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