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April Newsletter
Personal Wealth and Finance
Registered Investments
Navigating the TFSA and RRSP landscapes can be tricky, especially with “re-contribution” traps. Here is the detailed breakdown of the rules, the historical limits, and why the TFSA is often the superior choice for large, one-time withdrawals. TFSA Contribution & …
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Registered Investments
For many retirees, the transition from saving to spending brings a surprising challenge: excess income. Once you convert your RRSP to a Registered Retirement Income Fund (RRIF) by age 71, the Canada Revenue Agency (CRA) mandates a minimum annual withdrawal. …
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More Recent Articles
Investor Insight
The need for income for the long run, the exhausting effect of inflation, the worry of potential medical or long-term care, and retirement costs may now haunt you.
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Life Insurance
As the children get older and move out on their own, and your mortgage and other debts are nearly paid off, the need for life insurance capital designed to replace income for dependents decreases. You May Still Need Some Life …
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Investor Insight
Updated for 2026 What are some differences between a Tax-Free Savings Account (TFSA) and a Registered Retirement Savings Plan (RRSP)? The tax benefits of the Tax-Free Savings Account (TFSA) The TFSA is a registered savings account that allows Canadian taxpayers …
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Investor Insight
The Tax Free Saving Account (TFSA) can also provide Canadians with short-term protection as a vehicle in which they can build an emergency cash fund. Money can both accumulate and be withdrawn tax free. So if your transmission suddenly stops, or your water tank goes, or your income tax bill is higher than expected, a TFSA can provide funds necessary to cover these short term financial emergencies.
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Business
Start-up firms and smaller companies are especially vulnerable to potentially devastating financial risk because they often lack big company sophistication and in-house risk-control expertise. We will help you gain control of your financial risk.
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Life Insurance
Life insurance provides a tax-free death benefit and is a necessary component of most financial plans. Let’s look at the Top Insights on using life insurance to protect our assets and build wealth. Types Of Life Insurance Term Insurance: Term …
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Investor Insight
Canadian Individual Tax Checklist This checklist is for organizational purposes only and should not be considered legal or professional tax advice. Always consult with a qualified Canadian tax professional (e.g., a CPA) to ensure you meet all your specific tax …
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Tax Tips Quarterly
Canadian Business Tax Checklist (T2 / Self-Employed) The checklist for businesses depends on the entity type (Sole Proprietor, Partnership, or Corporation) and its fiscal year-end (FYE). 1. Key Deadlines & General Review Entity Type Tax Payment Due T2/T1 Filing Deadline …
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Estate View
Estate planning is a process that allows one to determine how their assets will be distributed upon death. As we prepare to pass our lifetime assets to our heirs, there are key components of an estate plan that should be given careful consideration.
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Estate View
Tax Planning is Legal: Canadians can legally arrange finances to minimize income tax. Tax Issues to consider: RRIF Withdrawals: Increases your tax burden and may result in an Old Age Security (OAS) clawback. Provincial Tax Rate: Living in a high-tax-rate …
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Mutual funds, approved exempt market products and/or exchange traded
funds are offered through Investia Financial Services Inc.
The comments contained herein are a general discussion of certain
issues intended as general information only and should not be relied
upon as tax or legal advice. Please obtain independent professional
advice, in the context of your particular circumstances. This content
was prepared by Adviceon® for the benefit of David Byers, and Phil
Paquette who are Investment Funds Advisors at Integrated Wealth
Management a registered trade name with Investia Financial Services
Inc., and does not necessarily reflect the opinion of Investia
Financial Services Inc. The information contained in this
presentation comes from sources we believe reliable, but we cannot
guarantee its accuracy or reliability.
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