Category: Financial Planning

Commentary January 2020

Share this…FacebookGoogle+TwitterLinkedinA year has passed since markets made their big dip at the end of 2018. While the rise from that dip dominated investor thinking in the early part of 2019, later in the year investors started wondering “where to

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Rainmaker or Storm-maker? Is this roller coaster coming from Trump?

Share this…FacebookGoogle+TwitterLinkedinRecently we in the investment world have been coping with the uncertainty related to the combative trade negotiations between the USA and China. When faced with the Trump regime’s caustic approach to trade negotiations, other nations (e.g. Canada and

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Commentary January 2019

Share this…FacebookGoogle+TwitterLinkedinWith stock markets pulling back in the 17%-20% range before recovering, this fall various market concerns that were percolating under the surface began to impact securities markets. From economic cycle factors to international geopolitical factors, several started to weigh

Posted in All Archives, Financial Planning, Investment, Risk Management

Market Pullbacks

Share this…FacebookGoogle+TwitterLinkedinIn the past couple month, the increased volatility of investment markets has led two clients to write to get my sense of the market situation and how/if we should react to that. With the sense that the voices of

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Real Estate Capital Gains Tax: Budget 2017

Share this…FacebookGoogle+TwitterLinkedinWhat’s your game plan for winding down your Capital Gains tax liability? Yesterday Canada’s Finance Minister presented the government’s latest budget. there had been many fears about the potential increase of capital gains taxation. To do so would not

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TFSA limit boosted – does it change your estate planning game plan?

Share this…FacebookGoogle+TwitterLinkedinIn the just-released federal budget, the TFSA limit was increased from $5,500 to $10,000/person/year. The new $10,000 amount is not indexed so don’t expect it to rise annually. Does this impact your financial plans? Consider this: Historically spouses often

Posted in Estate Planning, Financial Planning, Tax

4 Ways High Earners Should Adjust for New Spousal Tax Laws

Share this…FacebookGoogle+TwitterLinkedinIn recent months the Canadian government has mused about the potential for changes in the tax code so that Canadian couples can start filing their income tax returns jointly once the budget is balanced. Most people outside the financial

Posted in All Archives, Financial Planning, Tax

Cars and Corporations

Share this…FacebookGoogle+TwitterLinkedinMany small business owners ask the perennial question of whether they should own their car within the corporation or personally. There are several factors that go into answering that question, such as: -how many kms will you drive in

Posted in Financial Planning, Risk Management, Tax

Is 4% an Unsustainable Withdrawal Rate

Share this…FacebookGoogle+TwitterLinkedinHistorically, 4% was thought to be the withdrawal rate the average portfolio could withstand on a long term basis without eating into capital. Recent research indicates that in today’s lower investment return environment, maybe that’s no longer sustainable. We

Posted in Financial Planning, Investment, Tax