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Ten Financial Resolutions for 2019
The start of the new year is a good time to review and set your financial priorities for 2019. The attached article, Ten Financial Resolutions for 2019, discusses several opportunities that could help you save taxes, protect and increase your net worth, and position you for financial success in the coming year. As your Investment Advisor, I am dedicated to helping you reach your financial goals. Please contact the office if you have any questions on the attached information or would like to set up a meeting to review your financial plan and investment portfolio.
A New Hope
After a year where not much went right for Canadian investors (with the S&P/TSX Composite down ~12%, and even the mighty S&P 500 down ~6% in U.S. dollars), they can easily be excused for taking a “glass half empty” outlook. The list of negatives is long. U.S. President Donald Trump is becoming more isolated and unpredictable, trade wars are weighing on corporate sentiment, the Brexit process continues to fumble along, and economic momentum has slowed, to name just a few of the issues that have alarmed investors. But those negatives are well understood and priced into the market, in our view.
Tax Planning Strategies
Financial Planning Year-End Checklist
the Financial Planning Year-End Checklist provides an overview of potential year-end investment and financial planning strategies and reminders that could help clients reduce their 2018 tax bill and prepare for a successful 2019.
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.
Economic and Market Updates
The Roller Coaster Market
Stock volatility has increased so far in 2018 and, understandably, this roller coaster feeling is making investors nervous. At times like these, we believe a historical perspective is helpful.