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September 4, 2013

Annuities: Your DIY pension plan

Annuities may be the best retirement product that hardly anyone buys. Like defined benefit pensions, they provide guaranteed income for as long as you live. But while employer pensions are considered the gold standard of retirement income plans, few Canadians ever think about annuities. Economists have coined a term to describe their baffling unpopularity: “the annuity puzzle.”


June 8, 2013

Graduated tax system for testamentary trusts likely on the way out

Earlier this week, the government formally launched a consultation paper that will likely lead to the elimination of the graduated tax rate system for testamentary trusts and estates. The proposed measures, which were first foreshadowed in the 2013 federal budget, would come into play starting in 2016 and would effectively abolish a common estate planning technique used by wealthy Canadians to reduce tax on the investment income earned from their assets, by their beneficiaries, for years after their death.


November 1, 2012

When to use dual wills

The Ontario government this year moved to plug the loophole with new procedures and legislation that come into effect January 1, 2013. The law requires executors to obtain appraisals of property that is being conveyed but not disposed of, and there are tough penalties for falsifying the value of the estate.


July 25, 2012

Estate planning for the wealthy entrepreneur 

Dual wills are one of Canada’s best kept secrets. They can help wealthy entrepreneurs save thousands of dollars that would otherwise be taxed upon death. The key to a dual will structure is to have private company shares dealt with in a “secondary will.”


Consider life insurance as an off-farm investment

It seems counter-intuitive that farms, capital intensive and always scraping to put enough together for the next down payment, should be looking to place hard-earned cash somewhere else. It's not an easy pitch to make to producers, but chartered accountant Mario Dumas considers that there's value to be discovered. “It's a big job to convince farmers to off-farm invest,” he says, “but we preach off-farm investments.”


Succession planning for the family farm

The numbers are surprising – studies have shown that only one third of family-owned businesses survive the transition to the second generation. And of these businesses, again only one-third will survive to the third generation, meaning that the chances that a business owner’s grandchildren will take over the business are about 1 in 10.


Many Canadians don’t choose their retirement date, new poll shows

be it 55, 60 or 65. The reality is, a good portion of Canadians do not have that luxury. This is an article on the subject we found very informative for our clients.


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