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Personal Wealth and Finance




Mortgages

Advantages and disadvantages of a home equity line of credit

Advantages of home equity lines of credit include: easy access to available credit often lower interest rates than other types of credit (especially unsecured loans and credit cards) you only pay interest on the amount you borrow you can pay …


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Investor Insight

Two strategic ways to contribute to your RRSP

Many people invest in their RRSP by purchasing a lump sum investment prior to the annual deadline.


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Financial Viewpoint

How Lifespan impacts Retirement Funding

In good health or declining vigor, we ought to be just as aware of the sobering fact that we have a certain number of days in which to live in retirement, depending on our life expectancy.


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Business

What are the steps to selling a business?

Selling your business can be a time of stress and uncertainty. Here are some tips which can help make the transition easier.


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Investor Insight

RRSPs: The importance of investment time

The Canadian government regulates the Registered Retirement Savings Plan (RRSP) program, allowing it to have unique tax benefits as you save for your retirement. Annual RRSP contributions can reduce the amount of income tax you pay in the year of …


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Life Insurance

Add confidence to a solid financial plan  

Look through a wider lens to see life insurance at work. Life insurance protects you against income loss, and the adverse effect less income can have on your family if one were to die or have a disability.


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Estate View

Tactical Capital Gains Tax Planning

Capital gains from a business, cottage, second residence, rental property, or non-registered investments are subject to taxation when the property is disposed of. How and when the property is disposed of requires serious consideration, as the tax implications can be enormous.


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Registered Investments

Avoid RRSP Overcontributions

The registered retirement savings plan (RRSP) is a tax-deductible retirement plan which gives flexible control of your investments in the account. Until age 71, you can contribute to your RRSP, or of your spousal/common-law partner to their age 71.


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Investor Insight

The Power of Women Investors

The incoming generation of investors will be younger and much more diverse, with women now partaking of an increasingly prominent role in building and growing family and personal wealth. This includes millennial women, single mothers, and entrepreneurial women owning or …


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Life View

The Joy of Planned Giving

You don't need to be rich or famous to get involved—everyone can! For example, for just dollars a day you can help feed a child through World Vision. Talk to your advisor about the tax benefits of charitable donations.


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Investor Insight

Why is portfolio strategy important?

Understand your risk tolerance Each of us has a personal level of risk tolerance which indicates how much risk one is willing to take while investing in markets that always go up and down. Your advisor can help you establish your own unique governing guideline.


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Financial Viewpoint

Working out financial agreements with my fiscal partner

When establishing a financial strategy involving other stakeholders, such as paying down a mortgage, develop a written plan that all parties agree on. You can create written point-form agreements for each to sign in areas of investing, registered vehicle planning, debt repayment, etc.


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Investor Insight

Empowering Wealth Creation for Millennials

Between the late-1970s and the mid-1990s, the most significant generation in the Canadian workforce referred to as millennials (or Generation Y) was born. As the largest generation by population size in North America, by 2025, three out of every four …


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Estate View

Legacy Planning to Maximize your Life’s Influence.

It is important to plan the most efficient manner of leaving hard-earned assets to heirs. Try to attend to these concepts to maximize your legacy. Keep your testamentary trust (your will) updated. Without an updated will, deceased heirs may be …


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Registered Investments

The Registered Education Savings Plan (RESP) for Educational Planning

Facts about an RESP A Registered Education Savings Plan (RESP) is a savings plan registered with the government that can help you save for your child’s post-secondary education. Money invested in an RESP grows tax-deferred. The government helps contribute to …


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Life Insurance

Two income solutions if you are disabled

The individual should include some form of disability coverage to replace his or her income.


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