admin – Harbour Financial Group

Segregated Funds: An investment product the banks don’t talk about

July 15, 2025

News admin

Over the past 20+ years of my career I have been selling Segregated Funds (seg funds) to clients. Clients rarely know about how these ‘funds’ differ from traditional Mutual Funds, but once I explain it, clients quickly appreciate how they fit into their financial lives. Depending on your financial situation, they can be an excellent [...]

Proposed Increase to the Capital Gains Inclusion Rate

May 13, 2024

News admin

You may have heard that the recently announced Federal Budget included a proposal to increase the capital gains inclusion rate as of June 25th, 2024. The capital gains inclusion rate determines how much of a realized capital gain is taxable, and has been set at 50% since the year 2000 – for instance, if you [...]

Proposed Increase to the Capital Gains Inclusion Rate

Buy-Sell Agreements

January 4, 2024

News admin

Every business owner should have a properly constructed ‘Buy-Sell Agreement’ in order to protect the owners/shareholders value in the business and ensure the continuity of the business if there’s a ‘triggering event’. Currently in Canada, only 1 in 3* has one. Over the years I’ve seen too many businesses get in trouble because the wishes [...]

I Need Life Insurance: How Much Is It

October 19, 2023

News admin

As an Advisor, I frequently get asked this question. And ultimately, it’s a very open ended question that has all sorts of moving parts. Most of us have never learned about how life insurance works, what the different types are, or how much it costs. But don’t worry, it’s not your fault! Many people, including [...]

Corporately Owned Life Insurance

July 5, 2023

News admin

Corporately Owned Life Insurance Every small business owner knows some of the tax advantages of having a small business. Borrowing money, deducting certain expenses, and having limited liability protection are all great reasons to incorporate. I talked about all considerations for incorporating in my last blog post. Most business owners however do not know about [...]

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Harbour Financial Group

Author: admin

Segregated Funds: An investment product the banks don’t talk about

Proposed Increase to the Capital Gains Inclusion Rate

Buy-Sell Agreements

I Need Life Insurance: How Much Is It

Corporately Owned Life Insurance