When is the Best Time to Invest?
The year just ended demonstrates how different investors can react to the same market conditions. Starting in early 2021 and well into the summer months, stock markets surged overall…
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Borrowing to Invest
Is borrowing to invest a good idea? All you need to come out ahead is a return on your investment that’s greater than the interest you pay on the loan. That makes it especially tempting when the market is climbing…
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Lesser-Known Ways to Profit and Save
We all like to learn about tips and tricks to get ahead financially, but not all of them are widely known. Here’s a collection of lesser-known wealth management strategies for everyone, from students to seniors....
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Tax, Retirement and Estate Planning – Q3 2021 Update
Listen in on what Wilmot George, Vice-President of Advisor Consulting: Tax, Retirement and Estate Planning, has to say about the outcome of the recent federal election…
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What to Know About the Graduated Rate Estate
The Graduated Rate Estate (GRE) has become an important estate planning tool in Canada since its introduction in 2015. Most trusts are subject to taxation at the highest marginal tax rate. A GRE allows the estate to use graduated tax rates up to three years post death, providing significant tax savings and the opportunity for income splitting…
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Should You Help Your Child Buy a Home?
Most parents who think about helping a child buy a home have something in common. When they bought their first home, it was significantly easier to make the down payment than it is now. Today, real estate prices have escalated, mortgage regulations are stricter and the cost of living is higher…
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Time for an RESP Checkup?
Set it and forget it. That’s an easy trap to fall into after opening a Registered Education Savings Plan (RESP). Simply choose your investments, make regular contributions – being sure to trigger the maximum annual Canada Education Savings Grant (CESG) – and watch your investments grow…
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Retirement and the “Where” Factor
Have you thought about where you’ll enjoy your retirement? Hundreds of thousands of Canadian retirees believe the best place to spend winter is in the U.S. Sun Belt and other warm destinations. Many purchase vacation properties in Canada where they stay for long stretches throughout the year…
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How to Make Tax-Smart RESP Withdrawals
When it’s time to withdraw funds from a Registered Education Savings Plan (RESP), tax planning may be involved. It’s all because an RESP is composed of two pools of money, one taxable and one non-taxable – and you choose the pool for each withdrawal…
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Why Financial Life Should Involve Both Spouses
If you’re like most couples, each spouse ends up assuming responsibility for certain roles. Usually, that’s all well and good – but not when it comes to financial life. Here are several reasons why you’re better off when both spouses are involved in wealth management…
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