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Sylvain Brisebois
Natalie Bois-Gagné
Vincent Baulne-Charland
Marie-France Racicot
Keitha Gallant

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BMO Nesbitt Burns
979 Bank Street, 6th Floor
Ottawa, ON
K1S 5K5
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Publications

Recent Articles
The Emergence of Blended Charitable Gifts
A “Blended Charitable Gifts Strategy” refers to the practice of gifting something now, something later (a gift in a will) and something in between. This strategy gives donors the greatest opportunity to maximize their charitable giving, while taking into consideration their long-term financial needs. There are also significant tax advantages to giving during one’s lifetime, and additional tax advantages when a gift is made from an estate.
Donating Appreciated Securities
The benefits of making a charitable donation are countless – from helping those in need to the personal satisfaction of giving back to the causes that are important to us. Charitable giving also makes good sense from a tax perspective. With proper planning, you can reduce your total income tax liability and maximize the value of your donation.
2020 Year-End Tax Planning Tips
Since many tax strategies require foresight to be effective, tax planning should be a year-round activity. However, as the year end approaches there are still opportunities to consider in order to reduce your 2020 tax bill. The following are year-end tax savings strategies that may be available, depending on your personal situation.
Update on Canada’s COVID-19 Economic Response Plan
Summary of Federal Fiscal and Tax Measures to Support Canadians and Businesses
Tax Planning Strategies
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.
Tax Planning Using Private Companies
As noted in our 2017 Federal Budget summary, the federal government indicated that it would review the use of certain tax planning strategies involving private corporations that it perceives unfairly reduce personal taxes of high-income earners through a variety of tax reduction strategies unavailable to other Canadians.
Estate & Succession Planning
Transferring Your Wealth to Future Generations
Wealth transfer is the most mature stage of wealth management and involves sharing or transferring your wealth to your chosen beneficiaries. Wealth transfer considerations can be as simple as making cash gifts to your grandchildren or as complex as setting up sophisticated trusts as part of your estate plan.
Wills That Work for Your Estate Planning Needs
A Will is a written document that directs how your assets are to be distributed at the time of your death. It should appoint an executor (“liquidator” in Quebec), and provide instructions for all your assets, including your business holdings and your personal effects.
The Consequences of Dying Unprepared
The key to any estate plan is a Will – a written document that directs how your assets are to be distributed upon your death. It should appoint an executor and provide instructions for all your assets, including your business holdings (if applicable), real estate, cash, personal effects, as well as the timeline and manner of their distribution.
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.
Education and Knowledge
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 who are considering the purchase of a U.S. residential property to fully understand the U.S. reporting and tax issues related to their ownership of U.S. real property, in addition to any Canadian tax implications.