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Rémi Lalonde Defilippi
Emilie La Roche Gauthier

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399, rue Principale
Granby, QC
J2G 2W7
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Other Locations

399 Principale
Granby, Quebec
J2G 2W7

Publications

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Wealth Themes
Financial Well-being for Professionals & Summer Reading List
The Roller Coaster Market - March 2018
Tax Planning Strategies
Quebec Budget Highlights FY18/19
Investment Management Fees for Registered Accounts
CRA Policy Changes Proposed for 2019
Tax Proposals Affecting Private Corporations:
“Income Sprinkling” Draft Legislation Revised
The CRA’s Foreign Reporting Requirements
Since Canada represents only a small portion of the world’s capitalization, it may make sense to include some foreign investments in your portfolio. However, it is important to understand Canadian and other foreign tax implications of owning investments outside of Canada.
Tax Tips For Investors
Knowing how the tax rules affect your investments is essential. Tax strategies that you should consider such as income splitting, charitable giving and estate planning.
Tax & Estate Consequences of Investing in U.S. Securities
US Citizens - Recent IRS Focus on Past Due US Income Tax Filing & Reporting Requirements
Canadian Ownership of U.S. Real Property
Canadian Snowbirds and U.S. Income Tax
Although Canadian snowbirds reside in the U.S. for only a part of the year, there is the potential of being considered a U.S. resident and, in turn, having to pay U.S. income tax on the same basis as a permanent U.S. resident. This article outlines how the U.S. government determines whether you are a resident for income tax purposes; namely, it covers the criteria for meeting the Substantial Presence Test, Closer Connection Exception and the Canada U.S. Income Tax Treaty Tie-Breaker Rules.
Consider Tax-Loss Selling in Your Year-End Planning
This article explains how tax-loss selling works, and what to consider before implementing the strategy.
Personal Tax Calendar 2020
Tax planning should be a year round activity, in order to maximize the savings opportunities available to you. The Personal Tax Calendar has been updated for 2020 and summarizes important tax deadlines and provides some planning tips for you to consider throughout the coming year.
New Tax Rules May Affect Your Estate Plan
New tax legislation which originated from the 2014 Federal Budget will take effect on January 1, 2016. These changes will have significant implications for existing and future testamentary, spousal, alter-ego and joint-partner trusts, as well as affecting testamentary charitable gifts. This article provides a brief summary of the upcoming changes.
Completing Your 2019 Income Tax Return – Checklist
As the tax filing deadline approaches, here are some reminders to help ensure you’re prepared to file your personal income tax return, and that you maximize your tax savings.
Managing Your Wealth
Debt Isn't Always A Four Letter Word
Carrying some level of debt is a reality for many Canadians. And, while debt management may be a concern for some, others strive to pay off credit balances and use debt to build wealth. This month, we explore the issue of debt; both on a personal level and as an investment.
BMO Wealth Institute Report
Make better investment choices by understanding and reducing bias. BMO Wealth Management provides insights and strategies around wealth planning and financial decisions to better prepare you for a confident financial future.
Collecting the CPP
Providing context when best to start collecting the Canada Pension Plan (CPP) or The Québec Pension Plan (QPP)
Having a TFSA works
Having a TFSA works. Get one working for you. Whether you’re saving for a new car, a home purchase, your child’s education or retirement, a TFSA can help you reach your financial goals sooner.
Wealth Themes
Wealth Themes is a monthly compilation of timely articles and tools from our experts and other BMO Financial Group partners.
Preparing Your Last Will and Testament
The attached article – Preparing Your Last Will and Testament – explains various aspects of Will preparation including, the importance of appointing an appropriate executor, life events that warrant a Will review and the use of testamentary trusts.
Understanding Risk
The attached article, Understanding Risk: Not All Risk is Created Equally provides an overview on the subject. It identifies some common types of risk and also discusses some measurements of risk and some techniques that can be used to help mitigate against it.
Estate & Succession Planning
Estate Planning and the Modern Family
Succession Planning is Key for Business Owners
Choosing an Executor: An Important Decision
Read article on page 1
U.S. Estate Tax for Canadians
Philanthropy and Giving Back -Your Giving Strategy
Planning for the Family Vacation Property
If you own a vacation property, this provides information on the tax consequences of selling a second home and highlights important estate planning considerations, if your plan is to keep your vacation property in the family for the next generation.
Economic and Market Updates
How Do You Spell Relief
NAFTA Agreement Commentary
Global Equity Weekly
A look at what happened in the equity markets over the past week and an update on the earnings reports.
The Goods
A Monthly Commodity Watch-Tracks BMO Capital Market's Commodity Price Index and provides commentary and forecasts.
Education and Knowledge
Two Months In
Portfolio Management Commentary-DEC 2018
Living to 100: The four keys to longevity
New Regulatory Changes
New Regulatory Changes Provide Enhanced Transparency / This article explains new regulatory changes that are being implemented in 2014 (and beyond) and how they may impact your relationship with BMO Nesbitt Burns and your Investment Advisor
Raising Financially Responsible Children
Read article on page 1
Registered Retirement Income Funds
A RRIF is very much like an RRSP in reverse. An RRSP is an account designed to help you save for retirement – a RRIF is an account designed to provide annual income in the form of withdrawals from a registered plan during your retirement. Click to read on about how you can benefit from an RRIF.
Periodic Table of Asset Class Returns
As the Periodic Table of Returns demonstrates, your portfolio should be well diversified amongst global asset classes to enhance return and reduce risk. Click to read more.
Contribution Reminder for Your BMO Nesbitt Burns RRSP / TFSA / RESP
These plans represent highly effective ways for you to save for retirement, your children’s (or grandchildren’s) education and other long-term goals, while providing significant tax-saving opportunities. Here are some important details about each.