As we wrap up 2025, it’s a good time to pause and reflect on what the year has brought—and more importantly, how …
Estate planning is not just for the ultra-wealthy.
The fact is that real money will be left behind after your passing. You worked hard for that money. Shouldn’t it go to those you love or to a charity that shares your values? Make sure your money goes where you want it to be.
If you don’t plan carefully, your estate can be taxed away.
There can be many tax liabilities triggered by your passing, and solutions should be arranged in advance. Can you believe that a house passed on to the next generation might have to be forcibly sold to cover the tax bill? What a terrible outcome. A financial advisor can help you avoid preventable situations like this one.
A Certified Financial Planner can help you with the process of setting up a will, a letter of direction, power of attorney, and other estate arrangements.
Wills
A will is a written document, properly signed, which: (1)specifies who is to administer the estate (the executor), (2) specifies what is to happen with the…
Letter of Direction
Broadly speaking a letter of direction is any letter that gives instruction and guidance to a recipient. Letters of direction are also common in situations…
Power of Attorney
What if you were in a coma, or otherwise incapacitated such that you were unable to communicate? Or struck with a disease or other tragedy which…
Wills
With Permanent Life you have the ability to change your coverage, deposits and investment choices in response to your changing needs, conditions…
Estate Planning
Many people assume that estate planning is only for the wealthy. So, it must come as a shock to the families of all the Canadians who die every year…
Tax Planning
Taxes are a fact of life. They affect every Canadian in most aspects of their lives. Whether it’s earning an income, making a purchase, owning real…
As we wrap up 2025, it’s a good time to pause and reflect on what the year has brought—and more importantly, how …
You may have heard of the Registered Disability Savings Plan (RDSP) — one of the best financial tools available for Canadians who …
Many Baby Boomers have pinned their hopes on an inheritance to solve their financial challenges. Media reports often highlight the anticipated $1 …
Many people will offer you advice on which…
For most Canadians, retirement is a…
Many people assume that estate planning is…
Investment tax planning is not just about writing the…
Careful portfolio analysis is necessary to…
Proper analysis is vital to ensure that you aren’t…