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From survival to significance

What financial advisors can expect at each stage of growth

Cultivating agricultural clients

Cultivating agricultural clients

Financial advisor Raymond Riel draws upon his childhood experiences to provide tailored advice to farmers in the Prairies

senior couple sitting at table with financial advisor

Exploring fixed-income alternatives

Senior clients hunting for yield may consider instruments such as mortgage investment corporations and split shares

extended family walking on beach

HNW clients and the OAS clawback

Don't cloud your client's retirement picture out of fear of this "recovery" tax

Data protection concept. GDPR. EU. Cyber security. Business man using mouse computer with padlock icon and internet technology network on blue background.

A private tunnel for your data

A VPN enables you to exchange information safely with your office, no matter where you are

business people standing in line under a magnifying glass

Preparing for a compliance audit

You can minimize compliance risk by keeping thorough, up-to-date records

Two senior ladies hiking in the woods

Responsible retirement saving

Research shows that RI does not lead to poorer returns

Senior people walking on the beach

Making your practice senior-friendly

Senior clients have specific needs. Most important, ensure you're communicating with them in the manner that suits them best

  • By: Leah Golob
  • November 15, 2019 November 14, 2019
  • 00:10

Are you too conservative with your senior clients’ portfolios?

Low rates and clients' longevity challenge traditional asset allocation, yet moving beyond the status quo is also a challenge

senior golfers, three mixed couples

Are your older clients adequately insured?

Determine any gaps in insurance by matching their assets and their needs to their liabilities

Education is part of a healthy retirement

With many institutions offering free courses for seniors, there are several options for retirees who want to be lifelong learners

Finger pointing at tablet with graphics background

Tech Tips: Cybersecurity for retirees

While seniors are increasingly tech-savvy, scammers are becoming more sophisticated. Share this list of tips with your senior clients

Helping clients prepare for the unexpected

Conversations about the possibility of job loss, divorce and illness are unpleasant but necessary elements of a truly proactive financial plan

Green figgy bank with calculator

A lesson on limits

A recent court case demonstrates the importance of clients keeping track of their maximum RRSP contributions

Special Report on Taxes, November 2019

CRA takes aim at the wealthy

The agency's HNW audit program is comprehensive and costly for clients, tax practitioners say. If your client is subject to an audit, here's what to…

last will and testament waiting to be filled and signed

Relief for clients managing estates

Ontario government has lowered probate fees and extended the filing deadline for estate information returns

keyboard with hot key for estate planning

The fate of TFSAs upon death

In general, there are three potential outcomes when a TFSA accountholder dies, depending on the preparations made

  • By: Leah Golob
  • November 1, 2019 November 6, 2019
  • 00:14
hand grabbing money bag

An active approach to passive income

Ontario and New Brunswick chose not to mirror the new small-business deduction rules, but clients outside those provinces need to plan for clawback

Cartoon businessman running away from tax collector

Tax gap is an issue of compliance and equality

A unit of the Canada Revenue Agency is devoted to studying and closing the difference between taxes paid and taxes owed

United States Capitol, Washington DC

What’s new about the U.S. estate tax

The exemption threshold has doubled, but paperwork is still required

Disability sign, white wheelchair graphic on blue background

Capping DTC promoter fees: Helpful or harmful?

Tax experts share their insights and experiences

  • By: Katie Keir
  • November 1, 2019 November 6, 2019
  • 00:10
Wooden dominos falling

How to leverage life insurance for planning purposes

Immediate financing arrangements allow wealthy clients to preserve cash in a tax-advantaged way

Senate of Parliament Building, Ottawa, Canada

Senate committee examines DAFs

Report urges transparency for donor advised funds, but industry warns against stifling donations

Provincial tax competitiveness chart, Investment Executive, November 2019, p26

The provincial tax picture

There have been cuts this year, but high government debt loads are likely to prevent a tax-cut bonanza

Business man signing a contract

A major purchase

Buying a book of business can be an effective way to increase the size of your practice. But getting it right is no simple task