Looking for a reason to contact your clients this fall?
Why not check to see if their contract has the manual reset feature and give them a ring? We see equity markets at all time highs, so we...
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Scott Edgington
Sep 302 min
Wealth Update – Falling Leaves, Falling Rates
How will my clients’ investments be affected by falling rates? Perhaps this is a question your clients have been asking now that the U.S....
Tony Gallippi, B.A.S (Hons.), CFP, CLU
Sep 185 min
Estate Preservation: Solving the Liquidity Problem
What Is It? How to Start the Conversation, and Tools to Help In the fall of 2022, I penned a series of articles that focused on insurance...
Scott Edgington
Aug 292 min
Wealth Update – RRSPs, TFSAs and Marriage Breakdown
This past week we had questions about how RRSPs and TFSAs are divided in a marriage breakdown. Recently, with more than 40% of marriages...
Tony Gallippi, B.A.S (Hons.), CFP, CLU
Aug 194 min
Beneficiary Issues with Corporate-Owned Life Insurance Policies
For corporate-owned policies, the general guideline is to have both the corporate policyowner and beneficiary be the same entity. In...
Scott Edgington
Aug 12 min
Wealth Update – Dividends and Segregated Funds
This week, let’s talk about dividends paid inside a segregated fund. Clients may be asking why do I not receive dividends when I’m in a...
Tony Gallippi, B.A.S (Hons.), CFP, CLU
Jul 235 min
Corporate Insured Retirement Program (CIRP)
When is interest deductibility available in “corporate borrowing” CIRP scenarios? The Corporate Insured Retirement program (CIRP) is an...
Scott Edgington
Jun 272 min
Wealth Update – Tools for Your Semi-Annual Client Meetings
It’s hard to believe, but one-half of the year has already gone by. Starting in early July, your clients will receive their semi-annual...
Tony Gallippi, B.A.S (Hons.), CFP, CLU
Jun 184 min
Creditor Protection Issues and Life Insurance
Amongst the many beneficial qualities that life insurance possesses, special protection against the claims of creditors is one of them....
Scott Edgington
May 311 min
Can ROP replace fixed income?
This week let's talk about a concept that gives your client protection against a critical illness and 0% GIA. The concept is to replace...
Tony Gallippi, B.A.S (Hons.), CFP, CLU
May 215 min
Insured Annuities: Are they back?
For many Canadians entering their retirement years, their focus tends to switch from accumulating wealth to preserving wealth for...
Scott Edgington
Apr 291 min
Wealth Update – Three Ideas Regarding the Proposed Capital Gain Inclusion Rate
Last week we saw the Federal government present their 2024 budget. How can you help your clients manage the change in Capital Gains...
Tony Gallippi, B.A.S (Hons.), CFP, CLU
Apr 244 min
RRIF Estate Transfer Strategy
When your RRSP/RRIF income is not needed. For many Canadians, contributing to an RRSP is an effective way to build a retirement nest egg....
Scott Edgington
Apr 11 min
Wealth Update – Informal Trusts for Children
Firstly, let’s clarify a point form last week. The CRA is waiving the late filing penalties for 2023 and not the filing requirement. The...
Tony Gallippi, B.A.S (Hons.), CFP, CLU
Mar 215 min
The Benefits of a Corporate Will (Secondary Will)
A common question that is asked by many incorporated business owners is what they can do to minimize paying government taxes. As...
Tony Gallippi, B.A.S (Hons.), CFP, CLU
Feb 215 min
How to Use Corporate Financial Statements to Spot Insurance Planning Opportunities
Thanks for the corporate financial statements! Now what? Spotting the insurance planning opportunities There will come a time in our...
Tony Gallippi, B.A.S (Hons.), CFP, CLU
Jan 226 min
Policy Transfers (Part 2): Taxation issues for both Parties
In last month's article, we explored the various circumstances that lead individuals or corporations to consider transferring their life...
Tony Gallippi, B.A.S (Hons.), CFP, CLU
Dec 15, 20234 min
Policy Transfers (Part 1): Why and What to Consider?
Corporations, and individuals, purchase life insurance for many different reasons. As time passes, these reasons may change and therefore...
Scott Edgington
Dec 15, 20231 min
Wealth Update – Did We Just See the Best Days of the Year?
This has been an interesting couple of weeks in the markets. Did we just see the best days of the year? Yesterday, the Fed hinted there...
Scott Edgington
Dec 5, 20232 min
Wealth update – What is a Pension Adjustment Reversal - PAR
Here’s an easy way to explain the Pension Adjustment Reversal or PAR to your clients. Consider an employee who is a member of a Group...
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