Ryan is a lawyer in the City of Toronto who was called to the bar in 1995. Ryan opened a RRSP at TD Bank as soon as he began working. He started with a small monthly contribution and over the years increased the amount and…
Richard and his wife Kelly are eagerly anticipating retirement in the next 3 to 5 years. They have accumulated savings, invested wisely and worked with David their investment advisor to develop a financial plan that should take care of their needs for the balance of…
Through her accountant, Ellen approached us to help manage the portfolio she inherited following her husband’s passing a few years earlier. She had adjusted to her new circumstances and was building a life on her own when she decided that changes to her investments were…
Dale (48) & Paula (45) own and operate a very successful food distribution business in Toronto. Each year for the past 20, the company has been in the enviable financial position of having excess capital required from operating both the business and their personal life…
Many people perceive life insurance as a financial instrument that only provides value to someone else. This could be their spouse, their children, their business partner. It is easy to understand why this is the case when a premium continues to be paid for a…
“High net worth individuals don’t just leave money at the end of their life – they leave a legacy led by example. A legacy of values, dreams and a solid foundation for future generations. The path to success is communication, education and partnership. The Integrated…
It’s possible to defer, reduce and sometimes even avoid capital gains taxes Of all the questions we get (and we get a lot), the most popular is “How can I avoid capital gains taxes?” No wonder: capital gains taxes can take a big bite out of…
“I love my kids equally, so I want to share my assets equally.” That’s what I often hear from business owners when asked about their plans for disposition of the family business. At the risk of sounding cynical, I think this is sometimes just emotional…
Paul recently retired from a very successful dental practice and had always taken control over his own financial affairs. During his first year in retirement he made his own investment decisions and invested significant monies while closely following the market commentary and reading up on…
Would you rather make six per cent or five per cent on your investments? Believe it or not, some investment managers and self-directed investors would rather earn five per cent. The reason is that they don’t pay any attention to taxes. By way of example,…