If your client is a business owner, insurance can help provide them with not only protection, but opportunity when it comes to growing their business. Life insurance policies can help protect shareholders and their family members, the corporation itself, as well as key persons to the business. It can also help enhance cash flow to the corporation by assigning the policy as collateral for a loan. Continue reading “How Insurance Delivers Security and Opportunity for Your Client’s Business”
Separation of Owner and Beneficiary in Corporate Context – Who is Paying the Premium?
There are many reasons in the corporate context to have one company (a holding company or a sister company) own the life insurance policy on a shareholder and have the operating company as the beneficiary. One very important reason is that the separation allows for the operating company to fund the buy out of the shareholder’s estate on the death of the shareholder pursuant to a shareholder agreement. Continue reading “Separation of Owner and Beneficiary in Corporate Context – Who is Paying the Premium?”
What Your Client Can Expect When They Apply for Insurance
The process of obtaining insurance is no small feat. From the application process, to medicals, to policy payments and more, there are many steps involved in securing insurance for your client and their family.
Here is a great article for you to share with your clients; something to explain in detail the full process of acquiring insurance. Of course, you will need to follow up with a phone call and perhaps a meeting, but this article is a good way to start the insurance conversation and provide your clients with a roadmap to what they can expect during this time. Continue reading “What Your Client Can Expect When They Apply for Insurance”
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What To Expect When You Apply for Insurance
INFOclip: Exploring Capital Alternatives
Throughout your client’s lifetime, they may set many goals for themselves and their family. But what would happen if your client encountered an unexpected life event or financial emergency that could prevent them from achieving their goals? Continue reading “INFOclip: Exploring Capital Alternatives”
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INFOclip: Exploring Capital Alternatives
Having a Drink: Is One Too Many?
Having a drink, taking a shot, chugging a brew are familiar synonyms for alcohol consumption. This is neither new nor regional. Humankind the world over has been fermenting beverages for millennia with the oldest verifiable brewery located near Haifa in modern day Israel (1). Whether imbibing baijiu in Shanghai, sake in Tokyo, ouzo in Athens or a stunning variety of wines in the Mediterranean countries, the cultural and geographical blueprint for alcohol use runs deep and broad. France even has wines named after some of its’ most famous regions as any proud denizen of Champagne or Bordeaux will boast. Continue reading “Having a Drink: Is One Too Many?”
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Having a Drink: Is One Too Many?
The 2023 RRSP Contribution Deadline
New Year celebrations have come and gone, but don’t worry, it’s not too late for your client to make an RRSP contribution for 2023. The Income Tax Act allows an RRSP contribution that is made within the first 60 days of the following year to be used either in the year of contribution or in the year prior. So, if your client makes an RRSP contribution by February 29, 2024, the contribution can still be used as a deduction from their 2023 income. Definitely some good news to share with your clients! Continue reading “The 2023 RRSP Contribution Deadline”
Your Client’s 101 on How Canadians Are Taxed
The time for your client to file their 2023 personal income tax return is just around the corner. Need a reminder about how Canadians are taxed, including something to share with your clients… read on. Continue reading “Your Client’s 101 on How Canadians Are Taxed”
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Your 101 on How Canadians Are Taxed
Your Clients’ Greatest Hits 2023
As the year comes to an end and we look forward to the new year, let’s revisit some of the insurance and investment related articles, videos, calculators and tools that were on your clients’ favourites list in 2023 – check them out and be sure to share them with new clients and prospects. Continue reading “Your Clients’ Greatest Hits 2023”
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Greatest Hits 2023
It’s Beginning to Look a Lot Like Tax Season
Everywhere you go
Take a look at your T5 and T4, or you may soon be poor
With all the taxes at your door.
It’s that lovely time of the year when everyone is full of cheer (the 2023 brand of cheer, that is!) And now, tax season is just around the corner. But that’s no reason to fret! You still have time to act and ensure your taxes are a delight and not a downright fright. That little extra time may just be enough to pay off that pony you just bought little Tony.
So, here’s a little gift to get your season started right whether you’re a toy building elf, a gift giving saint, or a retired snowman, there’s a tax guide for you. Continue reading “It’s Beginning to Look a Lot Like Tax Season”
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It’s Beginning to Look a Lot Like Tax Season
Optimizing Your Client’s RRSP
Every dollar counts when your clients are working hard to meet their financial obligations while also saving for retirement. This calculator shows how they could increase their expected tax refund and use it to increase their planned RRSP contribution, significantly enhancing their short and long-term RRSP savings. Your clients have options to temporarily fund their additional contribution using an out-of-pocket strategy or a conservative short-term RRSP loan strategy (until they recoup it from their expected refund).
Share Optimizing Your RRSP with your clients to show them how they can make the most of their RRSP. Continue reading “Optimizing Your Client’s RRSP”
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Optimizing Your RRSP