The 2018 Federal Budget introduced new rules that can reduce the amount of the small business deduction available for active income earned in a corporation. The small business deduction is reduced by $5 for every $1 of passive income a corporation earns over $50,000 and is completely eliminated if the corporation earns over $150,000. Continue reading “Passive Investment Income Calculator”
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Passive Investment Income Calculator
You do a great job to help your clients understand the benefits of life and critical illness insurance, save for retirement and create an emergency fund – all to ensure that their financial future is secure. However, have you discussed what is available to help them safeguard their children’s financial future as well? Continue reading “Juvenile Insurance – Why You’re Never Too Young to Secure Your Future”
It’s often said that nothing in life is certain but death and taxes. Probate fees on an estate can be added to this common saying. Probate fees are paid on the fair market value of the assets held in the deceased’s estate. While obtaining a grant of probate is not mandatory, in order for certain assets (land, financial accounts, publicly traded securities) to be transferred to beneficiaries and to protect the Executor and others from liability, most estates are probated. Continue reading “Death, Taxes and Probate Fees”
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Death, Taxes and Probate Fees
As an advisor, you can have a positive impact on the investment outcomes of your clients. Continue reading “It’s Not Just About The Fees”
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It’s not just about the fees
Participating whole life insurance is one of the most tried and tested products in the life insurance industry. It has had its ups and downs, but the stability, security, and simplicity of whole life has kept it as one of the most popular forms of permanent insurance. Despite this, clients are still often confused and bewildered by the high cost of the products.
Continue reading “Insurance for Your Whole Life”
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Insurance for Your Whole Life
Most agree that money can buy the necessities and a little more money can add a few extra comforts to our day-to-day lives. In fact, it is often debated whether a greater fortune brings longer life, but few medical studies have taken a serious look at this question.
Is your client interested in putting money into their Tax-Free Savings Account (TFSA)? The 2024 limit is $7,000.
Continue reading “How Your Client Can Use a TFSA to Get Better Investing Results”
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How to use a TFSA to get Better Investing Results
If your client is purchasing life insurance for the first time, they may have many unanswered questions. For example, they may be wondering about the types of life insurance available to them, and how much coverage they need to protect their families financially. This article will help answer some of their questions, as well as give them various aspects of life insurance to think about before and after they have made this important purchase. Ultimately, it will address five common misconceptions about life insurance that clients may have when purchasing it for the first time.
Sometimes, medical tests done for underwriting purposes point to a potential health or mortality concern, even when the client has received a clean bill of health from their attending physician. This can result in the client being offered a ‘rated’ life insurance policy or being categorically declined coverage altogether even though the client reports, “But my doctor says I’m fine!” Continue reading “But My Doctor Says I’m Fine”
With countless misleading rules of thumb on the internet, it can be confusing for clients to know what to expect in terms of how much coverage their family requires. Continue reading “Debunking Life Insurance’s Rules of Thumb”
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Life Insurance for Financial Protection