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 [...]

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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 [...]

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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 [...]

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