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December 20, 2023

Budgeting

An Immediate Financing Arrangement (IFA) is a strategy used mainly by high-net-worth individuals and businesses. An IFA offers the benefits of permanent life insurance and also allows you to access funds from the policy through a loan.

Benefits of an Immediate Financing Arrangement (IFA)

An Immediate Financing Arrangement (IFA) is a strategy used mainly by high-net-worth individuals and businesses. An IFA offers the benefits of permanent life insurance and also allows you to access funds from the policy through a loan. A properly structured IFA can be a solution for some clients and this video highlights some of the […]

Advantages to Incorporating a Business

Whether or not to incorporate is something most business owners contemplate. The video below outlines some of the advantages of incorporating your business.

Monetizing the Tech Revolution

It has been 49 years since the launch of the first personal computer. Since then, humans have been asking the same question: When will computers and robots replace humans? Not 40 years ago, not 30, not 20, and also not a decade ago. However, it now feels we are a lot closer to being eclipsed […]

Pressure Continues to Build

Market Outlook Equity implied volatility is in the mid-teens, suggesting a possibility that investors have become complacent. This is happening despite a relentless increase in market interest rates, which is slowly building pressure on the system. After a year and a half of policy rate increases, and later, stern warnings from economists, central bankers, and […]

Have you planned for digital assets

If you haven’t accounted for your digital property in your will or another document, you’re not alone. This is often overlooked when planning an estate. Digital property can be broadly categorized as either personal or financial. Personal assets can include social media accounts, photo and video collections, blogs and personal websites. Digital financial property may […]

Preserving estate assets for your heirs

The first things that come to mind when you think of estate planning might be your will, beneficiaries and executor or estate administrator. However, another key element is planning for the tax liability on your estate’s assets. The tax liability could be significant. Take the example of an estate that includes $300,000 in a Registered […]

Ways to give to grandchildren

Giving a financial gift to a grandchild can be tremendously satisfying, knowing you’re helping to make a difference in a loved one’s life. The first step is choosing when to make a gift. You can make financial gifts to grandchildren while you’re living or upon your passing. If you give now, you’re able to experience […]

How to pay little or no tax on RESP withdrawals

Withdrawals from a Registered Education Savings Plan (RESP) are different than those from other registered plans. With an RESP, some withdrawals are taxable, while others are not. This means you need to do some tax planning when you withdraw funds. Your RESP has two pools An RESP account consists of two pools of funds. One […]

Why you should watch out for phishing, smishing and vishing

You may think you’ll never fall victim to phishing attacks, but new technologies are making online and phone scams more dangerous. Also, other family members could be at risk. Phishing is the umbrella term for scams that fraudsters attempt through your computer or devices. Smishing, or SMS phishing, refers to text message scams. Vishing is […]