Reinblatt Financial Inc.

More and more, Canadians want their investments to reflect their personal values and we want our investments to have an impact for positive change in the world.  There are many approaches to responsible investing, including: Climate change Women in leadership Community development Excluding fossil fuels, weapons, and vices Companies that perform well on environmental, social […]

Ask the average Canadian what their most valuable asset is, and if you are a homeowner, you would likely say your principal residence.  While that is likely true when it comes to something tangible you can buy or sell, it is far from your most valuable asset. Your ability to earn an income is your […]

FINANCIAL MARKETSAT A GLANCE   MARCH 31, 2021 Canadian and U.S. equity sectors were generally positive this month. Short-term and global bonds outperformed, amongst a backdrop of rising yields. Here are the financial markets at a glance.  Download the PDF     CANADIAN EQUITIES   US EQUITIES     Sector9 of the 11 Canadian equity […]

A Tax-Free Savings Account (TFSA) is a personal savings account that can be used to save for any goal. After-tax money can go into a TFSA, but your investments grow tax-free and you won’t pay any tax on withdrawal.Who should invest in a TFSA?Canadians who have reached the age of majorityGreat for short term, medium-term, […]

When building a house, you start with a solid foundation before you start framing the structure.  Below are two ways your child’s (grandchild’s) financial foundation can be set up for success. Option 1B – Permanent Life Insurance Purchasing a cash value life insurance policy also has a tax deferred investment account built into the plans […]

Do any of the below resonate with you? I hold traditional investments inside my holding/operating company I am looking to diversify my holdings towards an alternative tax advantaged asset class I want to increase the internal rate of return on my estate plan.  I want to maximize the Capital Dividend Account balance (corporate IFA).  I […]

Protection from a major health event and a little forced savings for your healthy future self. One of the unique features in the Canadian living benefit insurance market is the ability to receive all your premiums back if you don’t claim on the contract. Did you know? With this product, you get a cheque from […]

There are proposals in the recent Federal Budget that are important to you, your family and your business. Here’s our handy tip sheet to help you manage your finances.

When taking out a mortgage with a lending institution you should cover off that debt with an insurance policy. Not all coverage options are created equal. Let’s look at the highlights of the two options available to you. Individually OwnedTerm Life Insurance Mortgage Insurancefrom lender Control You own the coverage and choose who receives the […]

You already have excess wealth that you plan to pass on to the next two generations. You want them taken care of financially and have likely earmarked a portion of your investment portfolio for them.One issue that arises is that all non-registered investment growth is eroded by taxation. A tax-free permanent insurance policy can make […]

When should you consider Participating Whole Life Insurance inside your Corporation? You’re a significant shareholder in a Canadian Controlled Private Corporation Age 40+ and healthy The corporation has excess annual cash flow and/or investment assets not needed for business purposes. Typically, been in business for at least 5 years. Want to maximize your estate and […]

Keep your retirement goals on track If you are diagnosed and survive a major illness like cancer, heart attack or stroke, you receive an illness recovery benefit payment. This will keep your retirement goals on track. Below is an example of a typical 40-Year-old, on track, saving for retirement. After diagnosis, he/she needs to access […]

Once you understand the kind of coverage you have in place, and coverage that you may want, you’ll be in a better position to make an informed choice about whether or not to add to your existing coverage. By Alexandra Macqueen, CFP® RBC insurance You need your pay cheque to pay your bills, do your […]

Ease the tax burden on you, your family and your business with an estate freeze What is an estate freeze? Though the term may sound sophisticated, an estate freeze is a commonly available technique that is used to defer the tax on the future growth of your assets by passing all future growth to the […]

Being sandwiched between Boomers and Millennials, you, as a proud Generation Xer might feel like you are the forgotten generation. Although you may be smaller in numbers than your generational counterparts, that doesn’t mean that you’re not mighty. Currently making up 30.7% of the Canadian labour force,1 Gen X has above average household incomes—on average over […]

POSTED BY PETER WOUTERS  Things often go wrong or take an unexpected turn even though you carefully planned what you were going to do. Robert Burns’ famous line basically said that the best laid plans of mice and men often go astray. That extends to intentions of staying on the job or finding paid work later […]

Wouldn’t it make sense to insure your most valuable asset?

If it’s been a while since you got life insurance, it may no longer be enough

POSTED BY PETER WOUTERS  At the risk of sounding nitpicky, governments don’t pay for anything. Working Canadians do. Taxpayers do. Taxes are directed to certain areas of need. Growing needs and rising costs means that there isn’t enough public money to go around. That reality is hitting retirees and will hit them harder as time goes on. […]