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Understanding Fees on Investments

June 14, 2021

Many people invest because they believe it’s a good way to achieve their financial goals. They also know that getting professional financial advice can help them invest better. If you’re working with a financial advisor (or considering it), you should understand how advisors are compensated. The topic of fees can be complicated, but we’ll sti...

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Investment Fees MER Fee-based Commission Salary

Five Ways You Can Remove Funds from Your Corporation Tax Efficiently

March 31, 2021

In all Canadian provinces, corporations enjoy a relatively low tax rate. In fact, most business owners and incorporated professionals are better off leaving their retained earnings in a ho...

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Business Owner Tax Strategies BC British Columbia

Using your Corporation to Fund your Retirement

March 24, 2021

The best place to save for retirement and grow your wealth may be your corporation, not an RRSP or IPP. Examples below are based on 2021 personal and corporate tax rates for BC taxpayers. Does your business earn $500,000 or less? In 2021, the tax rate on corporate income below the small business deduction threshold of...

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Sample Corporate Structure

Factor Based Investing

June 3, 2020

The factors you choose depend on your investment objectives. There are a number of factors with a history of success you might be interested in: Low Volatility, Value, Momentum, Dividends, and Liquidity.Value and Momentum factors, combined, have a history of lowering volatility,and prod...

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Factor Investing chart

Article Archive

Investment Fees MER Fee-based Commission Salary
June 14, 2021
Understanding Fees on Investments
Many people invest because they believe it’s a good way to achieve their financial goals. They also know that getting professional financial advice can help them invest better. If you’re working with a financial advisor (or considering it), you should understand how advisors are compensated. The topic of fees can be complicated, but we’ll sti...
Continue Reading
Business Owner Tax Strategies BC British Columbia
March 31, 2021
Five Ways You Can Remove Funds from Your Corporation Tax Efficiently
In all Canadian provinces, corporations enjoy a relatively low tax rate. In fact, most business owners and incorporated professionals are better off leaving their retained earnings in a ho...
Continue Reading
Sample Corporate Structure
March 24, 2021
Using your Corporation to Fund your Retirement
The best place to save for retirement and grow your wealth may be your corporation, not an RRSP or IPP. Examples below are based on 2021 personal and corporate tax rates for BC taxpayers. Does your business earn $500,000 or less? In 2021, the tax rate on corporate income below the small business deduction threshold of...
Continue Reading
Factor Investing chart
June 3, 2020
Factor Based Investing
The factors you choose depend on your investment objectives. There are a number of factors with a history of success you might be interested in: Low Volatility, Value, Momentum, Dividends, and Liquidity.Value and Momentum factors, combined, have a history of lowering volatility,and prod...
Continue Reading
structured note chart
May 28, 2020
Meeting your Investment Return Goals with More confidence
If you have modest investment return goals of 4%-8% annually, consider structured notes and factor based ETFs; tools designed to achieve your return goals with a higher degree of confidence than mutual funds or index funds.‍What is a Reasonable Rate of Return?The iShares S&P/TSX Index Fund (XIU) price ha...
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investment loans additional income
May 28, 2020
A Better Way to Build Your Savings With Investment Loans
Most investors need to save for a future retirement. Most likely you are aware of RRSPs, TFSAs, and their benefits and limitations. If you have a time horizon of 10 years or more before you plan to take income from your investments, potentially better way to tax-efficiently reach your savi...
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investor goals concerns outlook
May 27, 2020
Structured Notes – Innovative Alternatives to Mutual Funds and ETFs
Do you wonder if buying and holding mutual funds and exchange traded funds is the best strategy for your portfolio? Structured notes provide an opportunity for enhanced return potential and risk reduction compared to an underl...
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business owners million dollars additional income
May 13, 2020
Business Owners: What Would you do With an Extra Million Dollars?
Most incorporated professionals and business owners have never had a tax-efficient portfolio. This has cost many investors hundreds of thousands of dollars over the last 10 years or so. The federal budget of 2018 makes having a tax-efficient portfolio more important than ever. Simply, the investment income in your ho...
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balanced income investing
May 12, 2020
The Balanced Income Strategy
The Balanced Income Strategy is an investment process our team has developed for investors looking for modest yields and are concerned with preserving their capital.An important type of investment used in this strategy is an income note.An income note is a type of structured note that is designed to earn a pre...
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business owner investing mistakes
May 12, 2020
Five Investing Mistakes Business Owners & Incorporated Professionals Make
Business owners pay too much tax to get money out of their corporation to fund RRSPs, IPPs, TFSAs, and even RESPs. Most business owners would be better using their cor...
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oil crash
May 12, 2020
The Oil Crash of 2020 - What it Means for Your Portfolio
Still reeling from the pandemic, oil volatility is the last thing the stock market needs right now. That’s because falling oil prices make life harder for energy companies. It can lead to significant layoffs, at a time when unemployment is already skyrocketing. Nations that are particularly dependent on oil production – Canada comes to mind – may feel the effects ev...
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how to invest after covid
May 12, 2020
Investing after COVID-19: How We Think You Should React
Concerns about the spread of COVID-19 have been weighing heavily on global asset markets, causing one of the greatest losses of asset value since the Great Depression of 1929. Central banks have moved to support the global economy with lower interest rates and other monetary policy measures. So far, these policies have made little meaningful impact towards preventing a glo...
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