Obstructive Sleep Apnea: Sleep Well, Breathe Easy

In the 1830’s, the English novelist Charles Dickens published a series of stories called “The Pickwick Papers”. One character, the larger-than life Joe, was known for his prodigious appetite and large build with an ability to fall asleep quickly and often during the day. In 1956, an astute medical researcher named Burwell and his colleagues published an article in the American Journal of Medicine titled, “Extreme obesity associated with alveolar hypoventilation-a Pickwickian syndrome”. This was the first modern day presentation of a sleep-related breathing disorder now known as obstructive sleep apnea (1).

What is obstructive sleep apnea, also known as OSA?

Apnea means to stop breathing, and in the context of OSA this happens while asleep. That sound you hear is the often loud snoring that accompanies these episodes of breathlessness. The obstructive part is in the upper airway system caused by the inadequate function of the tongue muscles or surrounding muscles that keep the airways open (2). Continue reading “Obstructive Sleep Apnea: Sleep Well, Breathe Easy”

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Final Tax Bite

Rolling-over taxable assets to a spouse is simple. But transferring taxable assets to other heirs can have tax consequences. If your client should die without a living spouse, its as though they liquidated all their assets the moment before their death, and any taxes due must be paid by their estate. Their heirs will receive only what remains. Fortunately, in most circumstances, your clients can pass along their principal residence to their heirs without paying tax, but if they have registered investments, stocks, mutual funds, a cottage, other real estate, or a business, a significant portion of their estate may be eroded by taxes. The good news is they can do something about it now.

Share this calculator to start conversations about estate taxes so you can show your clients how to transfer their estates to their heirs intact. Continue reading “Final Tax Bite”

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Final Tax Bite


How Insurance Delivers Security and Opportunity for Your Client’s Business

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”

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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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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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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”

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It’s Not Too Late To Make an RRSP Contribution for 2023!