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Tax Planning

Tax planning is among six areas in financial planning and is also a critical aspect of the whole financial plan. Our advisor can introduce several tax-minimization strategies and tax-efficient investment solutions to our client.

Tax Minimization Strategies

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Family Income Splitting

Income splitting works by transferring the tax liability from higher income to lower income family members, who are taxed at a lower rate. There are several ways to do this, including contributing to spousal RRSPs, creating formal spousal loan arrangements or establish family trust.

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Investing through tax-exempt insurance

In addition to providing your family with financial security, life insurance policies can also help reduce your investment taxes. You can deposit additional amounts into a life insurance policy for investment purposes, and the investment income accumulates on a tax-free basis, similar to an RRSP.

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Tax-efficient Asset Allocation

Your Investment Advisor can help you maximize tax-efficient investments and investment plans, including your RRSP, RRIF and TFSA.

Tax-efficient Investment Solutions

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Corporate Class Funds

which are a tax-efficient way to build wealth faster by minimizing and deferring taxes outside of registered plans.

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Series T Funds

which provide an alternative for investors looking for steady cash flow with the potential for capital appreciation.

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Charitable Giving Program

which is a donor-advised giving program designed to provide you with a strategic and more focused approach to giving.

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