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John Ridd
Kate Parker
Michelle Silva
Megan Lisowski

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16775 Yonge St
Suite 221
Newmarket, ON
L3Y 8J4
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Publications

Aging
Who Will Make Your Financial Decisions When You No Longer Can?
The 40-70 Rule
The 70-40 Rule
As you approach the age of wisdom, who will catch you if you fall?
Estate and Succession Planning
Designating Beneficiaries
United We Stand: Planning by Spouses
A Guide to Principal Residence Exemption
Probate Planning
Wills that work for your estate planning needs
A Time To Sell Preparing Your Business For A Potential Sale
Family Meeting Guide
At the core of an effective and successful estate plan is open communication among everyone involved so that there is an understanding of your intentions and wishes. It is not possible to consider all the situations and decisions that you and your family may face. But by sharing the thoughts, wishes and goals to be achieved by an estate plan, it is possible to give your family, heirs, and beneficiaries an understanding of the intentions on which the estate plan is based.
A Guide to the Principal Residence Exemption
One of the most important tax breaks offered to Canadians is the “Principal Residence Exemption” which can reduce or eliminate any capital gain otherwise occurring for income tax purposes, on the disposition (or deemed disposition – e.g., death) of your home. In general, a resident of Canada who owns only one housing unit, which is situated on land of one-half hectare or less, and which has been used since its acquisition strictly as his or her residence, will qualify for the principal residence exemption. Although simple in concept, in situations other than the one described above the tax rules governing the exemption can quickly become complicated, particularly when more than one residence is owned by a family unit. This publication provides an overview of the exemption and outlines many of the common issues encountered in its application.
The Continuing Power of Attorney for Property
Estate planning in a mobile world:planning for your worldwide assets
Holding Investments inside a Company - Taxes upon Death
In the absence of planning, when an individual passes away owning shares of a private company, they could be exposed to double or triple taxation.
Changes To Ontario's Probate Process
Philanthropy & Giving Back
Estate Information Organizer
Importance of Financial Planning
Strategies to Manage Household Debt
What do you know about financial planning?
Can your financial plan withstand one of life's unwelcomed surprises?
Plan today to secure your future financial well being
Joint Ownership of Property
Investing
Understanding Investment Risk: Not All Risk is created Equally?
What is investment risk? How is it measured?
Evaluating Portfolio Performance
Miscellaneous
Digital Assets and Your Estate Plan
Planning For The Family Vacation Property
Why consolidating your accounts makes sense
Financial Considerations Across Life Stages
Banking on Both Sides of the Border
A Lesson on Financial Considerations For Recent Graduates
The gig economy
Meeting With Your Financial Advisor As A Couple
Reduce your Taxes with a Prescribed Rate Loan
Who Will Buy My Business?
Digital Assets and Your Estate Plan
Digital Security
Planned Giving – Optimize Your Gifting Strategy With Insurance
Gateway Enhancements
RSP TFSA RESP Reminder 2019
Get On Track With A Spending Plan
Continuing Power of Attorney for Property
RESP - Registered Education Savings Plans
Taking Money Out of an RESP
Education Planning - For the Children in Your Life
Taking Money Out of an RESP
As the new school year begins, many students are preparing to take the next big step in their educational journey by heading off to university, college, or another continuing education program aligned with their interests and career aspirations. Fortunately, if you’ve planned ahead and contributed to a Registered Education Savings Plan (RESP), your child, grandchild, or another qualifying beneficiary of the plan, will have the means to fulfil their post-secondary education and can start to withdraw funds from the RESP.
Considering RESPs as Part of your Estate Plan
RESPs are popular vehicles chosen by parents, grandparents, and others to help set aside funds for a child's post-secondary education. However, an RESP is an asset too often overlooked by individuals when it comes to estate planning. This article provides an overview of important estate planning considerations for RESP subscribers.
RESP Withdrawal Checklist 2019
Taking Money Out of an RESP
RESP - Your Contributions and Grants
RESP Withdrawal Checklist
Education Saving Options Comparison Chart
Retirement Planning
RRIF Payout Schedule
Collecting the CPP
Some general considerations to keep in mind when deciding what age to start collecting the CPP retirement benefit.
Individual Pension Plans - A Retirement Savings Option for Business Owners
Tips and Considerations - RRIFS
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.
Collecting CPP
Snowbirds and US Tax Considerations
Canadian Ownership of U.S. Real Property
Many Canadians enjoy spending time in the U.S., and at some point may consider the purchase of a U.S. vacation property. As a result, it is important for Canadians to fully understand U.S. reporting and tax issues related to their ownership of U.S. real property, in addition to any Canadian tax implications.
Being A Snowbird VS. Permanent Retirement
TFSAs - Tax Free Savings Accounts
Having A TFSA works. Get one working for you.
Tax Planning Strategies
2020 Personal Tax Calendar
2019 Tax Documents Overview and Schedule
The CRAs 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. For example, there may be withholding and estate tax implications for Canadians investing in foreign securities. Another important Canadian tax implication is the Canada Revenue Agency’s (CRA) foreign reporting requirement for Canadian residents.
How Investment Income is Taxed
When it comes to investment income, all is not equal after tax. Knowing how tax rules affect your investments is essential in order to maximize your after-tax return. This publication explains the taxation of investment income held in a taxable account as it pertains to an individual resident in Canada.
CRA Foreign Reporting
Tax Planning Involving Family Trusts
Trusts are often used in tax and estate planning because of the flexibility they offer over the control, management and distribution of appreciating assets. In an estate planning context, trusts can be used to provide control and protection of assets, reduce probate fees at death or serve as a Will substitute, and as a vehicle to transfer wealth to future generations. From a tax planning perspective, in the right circumstances, trusts can be used to facilitate income splitting by spreading income amongst family members who are taxed at lower marginal tax rates, thereby reducing the family's overall tax burden.
Pension income-splitting provides
Tax Tips for Investors 2019
Update on LIberal Federal Income Tax Changes
Reduce Your Taxes With A Prescribed Rate Loan
Other
Financial Resolutions For 2020
Complementing your Healthcare Benefits with Insurance
With the controversy surrounding healthcare reform in the U.S., most Canadians consider themselves fortunate to have access to a universal healthcare system. However, not all services and procedures are covered by provincial healthcare plans. The attached article, Complementing Your Healthcare Benefits With Insurance, discusses how critical illness, long-term care and disability insurance can help provide financial resources – beyond the coverage provided by government and employer health plans – in the event of a critical illness or disability.
Planning For Your Income Tax Refund
Donating Appreciated Securities
Tax Planning using Private Companies - Draft Proposals released for Consultation
Corporate Asset Transfer
Insurance Considerations for Individuals
Insurance Considerations for Business Owners and Incorporated Professionals
Insurance is generally thought of as a risk management tool; however, as a business owner or incorporated professional, insurance can provide multiple benefits, including the potential for significant tax savings. This article looks at three insurance strategies that can be implemented into your financial plan to supplement your retirement savings, help protect your business, and help you maximize the value of your estate.
Is a Professional Corporation Right For You?
Many professionals incorporate their practices to enjoy the same benefits as other self-employed incorporated individuals. However, recent tax proposals affecting Canadian private corporations can have significant implications to professional corporations that will impact the decision to incorporate.
BMO Experts Share Their Most Important Investment Lesson
Two-Step Verification for Gateway – How to Enroll.
Two-Step Verification for Gateway – How to Verify Your Identity.
Ten Ways to Promote Financial Literacy
Teaching Your Children About Money
Women in Wealth
Women have made incredible strides, both professionally and personally, in the last half-century. They are better educated, have greater responsibility in the corporate world and are leaders in many professions. Despite the professional and financial successes that women in the workplace have earned in recent generations, they are still facing personal issues and unresolved challenges.