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One of the most important concepts when thinking about retirement savings is the compounding effect that occurs over time. Three elements are needed to grow money: capital (the initial investment), rate of return and time. Of these three, time may ar...

Baby boomers will remember how simple the world was when they were starting university. All costs were measured in hundreds of dollars. That is, annual tuition fees might be $500 or so. Textbooks, even in the most costly disciplines, would normally n...

Estate planning is an essential part of wealth management. Estate planning not only ensures that your assets are distributed pursuant to your wishes, but it ensures that such distributions are done in a tax effective manner, and that your beneficiari...

At one time in the not-so-distant past, our society was tuned into saving. Putting a portion of a pay cheque away for the future was the ‘norm’. We wouldn’t think of buying something until we had saved up enough cash to pay for it, whether that thing...

As we get older, certain milestones are important when preparing for retirement. If you are nearing the following age milestones, take note of these considerations as you look to maximize your retirement savings. Don’t leave money on the table....

According to the article "Global Pension Timebomb: Funding Gap Set to Dwarf World GDP" recently published in the World Economic Forum, the world’s six largest pension systems (U.S, UK, Japan, Netherlands, Canada, and Australia) are expected to have a...

Investors who are searching for higher after-tax income with acceptable risk may have been examining the merits of preferred shares. Given today’s low interest rate environment, they have become a potential alternative to bonds and other fixed-income...

When it comes to your estate planning, as a Canadian citizen you may not think that the U.S. estate tax applies to you. But Canadians who hold what is termed as "U.S. situs property" may be subject to this tax. This includes U.S. real estate, such as...

During tax season, most taxpayers are eager to maximize deductions to minimize taxes. But careful attention to tax planning may mean doing the opposite. In some situations, it may actually make sense to defer making these deductions until a later tim...

The lifetime capital gains exemption (LCGE) is a benefit that assists many Canadian entrepreneurs when it comes time to sell their businesses to fund retirement. It allows Canadians a lifetime tax exemption from a gain on the sale of a qualified smal...