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...

In last month's article “When to consider having a Holdco” I discussed the ability of a Holdco to receive tax-free intercorporate...

With interest rates where they are, many of our carriers are offering good rates on either their daily interest accounts or money market...

In a previous article, I discussed the benefits of incorporating. Specifically structuring one’s business affairs within an operating...

Here’s a clever way to move LIF money to either an RRSP or RRIF. As we know, LIFs have annual minimums and maximums. The concept is to...

I’ve heard it referred to as the “magic sauce” behind all corporate insurance strategies. Quite frankly, I think it’s a well-deserved...

Let's start with the sweet spots. Assumption Life Investment options through the Registered Investment Account (RIA) Average reduction...

Generally, premiums paid under a life insurance policy are not considered an allowable deduction for income tax purposes, but there do...

This week let’s start with Beneva’s sweet spots. Recall Beneva is the coming together of La Capitale and SSQ. Beneva has two product...

There’s been a constant theme throughout the previous federal budgets to focus on high-net-worth individuals and certain corporations to...

Our summer sweet spot series continues with RBC Life this week. Here are RBC Life’s sweet spots: Very simple straightforward contract...

Although business owners have a few good reasons to incorporate: creditor protection (via limited liability to protect personal assets...

We have spent a great deal of time promoting the beneficial properties of insurance company investments, but have we gone too far? As a...

We often hear of the dreaded passive income tax rules introduced in 2018 and their impact on the small business deduction (SBD) limit. ...

Here is a correction to last week’s email blast. In Q1, the strongest fund at Empire Life was the Multi-Strategy Global Growth with a...

I frequently get the opportunity to work on cases that involve clients who’ve amassed a great deal of financial wealth in their lifetime....

Before we get into this week’s subject, here is a summary of the proposed Federal budget presented this week. For those with clients with...

I was recently parachuted into a case where three shareholders/partners were contemplating a “Split Dollar CI” using a 15-pay permanent...

As promised in last week’s newsletter, this week we’re going to look at successor owners and annuitants. As a reminder, A successor owner...

Do you want 100% of your wealth preserved for your family, or favorite charity, or only 100% of what is left over after the government...