Retirement

Time in the market not timing the market

The ride up is usually bigger than the ride down

It’s human nature to be more emotionally sensitive to falling markets, but it’s not always logical. It’s natural for markets to move up and down over time, and the average length of a rising (bull) market is much longer than a declining (bear) market, where gains in a bull market often far exceed losses in…

Job A or Job B?

You have been offered a job and must pick between two different compensation structures. Which one are you choosing? Job A will pay you $80,000/year while working and $0 if you are unable to work due to an injury or illness. Job B will pay you $78,500/year while working and $53,000 (tax-free) if you are…

New job? Review your life insurance

Starting a new job or changing careers is one of those important times when you need to review your life insurance options.

Why do I need life insurance?

Love is an action word!

Love is an action word. Have you done any of these for your loved ones recently?

The New Retirement Reality

Canada’s population is aging at an accelerated rate. An unprecedented number of Canadians are making the transition to retirement

Retirement Income Enhancer – Insured Annuity

If you are like most Canadians, you may be looking for: Guaranteed supplemental retirement income Ways to guarantee you don’t lose any of your hard-earned money A guaranteed income certificate (GIC) will work perfectly. The problem is that GIC revenue is interest income and is taxed at your marginal tax rate. In today’s low interest…

Have you ever heard of an Immediate Financing Arrangement?

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…

Generational Wealth Transfer- Using permanent insurance

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…

Why/When to own Corporate Owned Permanent Insurance

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…

Retirement

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