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August Newsletter
Personal Wealth and Finance
Financial Viewpoint
Stock market language refers to two predominant patterns: “bulls” and “bears.” These terms describe the prevailing market trend and can sometimes cause concern, but understanding their meaning is key to maintaining a long-term perspective. My goal is to help you …
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Life Insurance
Life insurance plans offer death benefits, to protect your wealth creation plans.
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Registered Investments
Here is a quick summary review of the TFSA.
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Investor Insight
Current Investment Trends: Canada Interest Rates and Confidence: The Bank of Canada’s gradual rate cuts and stability at 2.75% foster a more supportive environment for investors. Lower rates are expected to further boost economic activity by reducing borrowing costs for …
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More Recent Articles
Estate View
Upon the death of a spouse in Canada, specific rules govern the transfer of Registered Retirement Savings Plans (RRSPs) and Tax-Free Savings Accounts (TFSAs) to the surviving spouse. These “rollover” provisions are designed to allow for the tax-deferred or tax-free …
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Estate View
Understanding beneficiary designations in Canada is a critical aspect of estate planning, often overriding provisions made in a will. This is because certain assets, by their very nature, allow for direct beneficiary designations that operate outside of the estate and …
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Investor Insight
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 makes it easy for Canadian taxpayers …
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Estate View
Life insurance needn’t be a boring topic. It’s the foundation of a sound financial plan. Moreover, protecting our family's financial future is of great interest.
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Life View
The "principle of decreasing responsibility" is a financial planning concept that states that an individual who has dependents such as a spouse and/or children has financial responsibilities that life insurance can help meet in the event of death.
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Wealth Viewpoint Quarterly
Understanding transferring RRSPs to RRIFs RRSP Maturity Strategies: You are allowed to contribute to your RRSP up until December 31 of the year that you turn 71, at which point your RRSP must be closed. Instead, you can select any …
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Estate View
Most Canadian Life Insurance companies provide policyholders diagnosed with a terminal illness with some form of early access to a portion of the death benefit. However, the specific terminology, eligibility requirements, and benefit amounts vary considerably. Living benefit, Early Death …
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Investor Insight
The Old Age Security (OAS) clawback, officially known as the OAS recovery tax, reduces the amount of OAS pension you receive if your income exceeds a certain threshold. To avoid or minimize the OAS (Old Age Security) clawback in 2025, …
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Financial Planning
We invest in what people buy. When an equity investment fund or stock is purchased, you indirectly invest in businesses relating to what consumers buy.
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Estate View
Life insurance has been called the foundation of your net worth. If you have a spouse or children, the initial stages of your financial strategy should include adequate life insurance coverage.
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Investor Insight
If you are an investor who remembers the mortgage debt crisis of 2008-9, you know that the stock market lost significant value. From an investment standpoint, the real downside occurred when some investors sold off their equity holdings due to …
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Registered Investments
RRSP Maturity Strategies: You are allowed to contribute to your RRSP up until December 31 of the year that you turn 71, at which point your RRSP must be closed. Instead, you can select any or a combination of: transferring …
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Life View
After the death of an individual, every estate must file a final (or 'terminal') tax return. All assets are deemed to be disposed of at time of passing, and this can trigger probate fees and other expenses.
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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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