It’s time again to consider tax planning opportunities for 2022. There are of course, the annual reminders but there are also some exciting new and “coming soon” tax changes that everyone should be aware of. Both are detailed below. The Annual Reminders RRSP contributionsThe deadline for RRSP contributions for 2022 is March 1...

In the mid-1990s, the federal government removed foreign content limits for Canadian pension plans and later made similar changes for individual RRSPs that altered the way Canadians invested. The result has been a continuing trend of investors reducing the Canadian equity weight in their portfolios, in favour of global equities.One reason that’s sometimes...

For the last decade, experts have been talking about the “Great Wealth Transfer” – that trillions of dollars will be changing hands, from Baby Boomers down to their children, and maybe directly to grandchildren. While the transfer has started, it has been more of a trickle than a flood so far as advances...

Private assets, also known as real assets or alternatives, have grown in popularity over the past 20 years, with assets under management ballooning from $2 trillion in 2010 to over $6 trillion globally today1 and Canadian pension plans expanding their weight in private assetsfrom 6% in 2000 to over 30%.Given all the activity...

It's an increasingly common story.A widow has several children, all of them adults. She makes a will that leaves her assets to all her children equally.The widow, however, decides to leave her registered retirement savings plan (RRSP) with just one of her children. Perhaps this one child has special financial needs or was...

In the mid-1990s, the federal government removed foreign content limits for Canadian pension plans and later made similar changes for individual RRSPs that altered the way Canadians invested. The result has been a continuing trend of investors reducing the Canadian equity weight in their portfolios, in favour of global equities.Qualitatively, the argument for...

Consensus thinking can often be wrong, but after prolonged periods of great disruption, it can be tempting to adopt: “Stocks are up a lot so they must be expensive. Inflation is a clear and present danger. Global is always best. You should dump all your bonds.”As active investors we rely on periods of...

In this edition of Planning Matters, we are delighted to have guest contributors Debbie Amaral and Jackie Cope discuss two ways to help build your long-term wealth – by harnessing insurance to protect against asset losses along the way. Cyber Insurance Picture this: you pull into your driveway, disconnect your phone from ApplePlay...

In today’s volatile markets, it is more important than ever to do your homework and stick to your investment discipline to improve the odds the companies you own are not only able to survive, but also prosper through a variety of economic conditions.Before investing in a stock, our analysts conduct comprehensive independent research...

Inflation has been everywhere in the headlines lately, prompting many conversations with clients about the causes of these cost-of-living increases, how permanent they might be, and what impact they might have on investment portfolios. We’ll take each of these questions in turn, but start with a look under the hood. What’s Causing the...

You’ve worked long and hard in Canada for years, quite possibly several decades, and now the finish line is in sight. Retirement. That Holy Grail.Just one minor thing: How are you going to pay for it? You may have a company-sponsored pension to support your income needs during retirement, or you may have...

In Part I of this series, we reviewed the rise of passive investing and flagged some unintended consequences that have resulted. In Part II, we review recent financial literature which queries the robustness of the 20th century research which became ‘conventional wisdom’ about active vs passive management and importantly, to what extent it...