Retirement Planning: The Importance of Time

One of the most important concepts when thinking about retirement savings is the compounding effect that occurs over time. Three elements are needed to grow money: capital (the initial investment), rate of return and time. Of these three, time may

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Implications of the Government’s Consultation Paper On Post-Mortem Planning

Changes proposed in the federal government’s recent consultation paper, “Tax Planning Using Private Corporations”, could have significant impacts to post-mortem planning for business owners, both in the future and for in-progress estates. The changes

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Registered Education Savings Plan

I understand that your children's future is your priority and helping them achieve their goals without incurring debt is a gift you'd like to provide. A Registered Educations Savings Plan (RESP) can help you make that a reality. The cost of post-s

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Students Must Keep Good Records

Baby boomers will remember how simple the world was when they were starting university. All costs were measured in hundreds of dollars. That is, annual tuition fees might be $500 or so. Textbooks, even in the most costly disciplines, would normally n

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Retirement Planning - Age Milestones

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10 Reasons to Stop Putting Off Your Estate Planning

Estate planning* is an essential part of wealth management. Estate planning not only ensures that your assets are distributed pursuant to your wishes, but it ensures that such distributions are done in a tax effective manner, and that your benefic

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Minimizing Taxes on Your Estate

As the old adage goes, “nothing is certain but death and taxes”. So it is surprising that many of us  are reluctant to address the issues that surround death, especially as they relate to taxes.  There are a number of strategies that may minimize the

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The Pending Pension Crisis; Are You Ready?

According to the article “Global Pension Timebomb: Funding Gap Set to Dwarf World GDP” recently published in the World Economic Forum, the world’s six largest pension systems (U.S, UK, Japan, Netherlands, Canada, and Australia) are expected to have a

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Gifting a Home to a Child

As housing prices in many major metropolitan areas continue to rise, home ownership is becoming increasingly difficult for the younger generation. As such,some parents and grandparents may consider helping their children with the purchase of a home o

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Do you have a Financial Plan?

Do you know how much you need to save for retirement? Is your investment strategy aligned to your goals? Are you effectively minimizing tax? Do you know what kind of financial legacy you will leave for your family? If you answered no to any of the

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