Life View
Can life insurance fund RRSP estate tax erosion?
When planning your estate. It is important to consider how taxation will affect the future distribution of your estate. For individuals who are married, when the first spouse passes away, the assets can generally be rolled over tax-free to the …
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FRAUD UPDATE: AI Assisted Cybercrime and Financial Fraud.
Generative AI has fundamentally changed cybercrime. It is no longer just about technical exploits but has shifted to hyper-personalized, scalable, and psychologically manipulative fraud. The scale of financial losses is unprecedented. The 2024 Internet Crime Report from the FBI documented …
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RRSP and TFSA REVIEW 2026
Updated for 2026 What are some differences between a Tax-Free Savings Account (TFSA) and a Registered Retirement Savings Plan (RRSP)? The tax benefits of the Tax-Free Savings Account (TFSA) The TFSA is a registered savings account that allows Canadian taxpayers …
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Transferring RRSPs to RRIFs at age 71
Understanding transferring RRSPs to RRIFs RRSP Maturity Strategies: You are allowed to contribute to your RRSP up until December 31 of the year that you turn 71, at which point your RRSP must be closed. Instead, you can select any …
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REVIEW How can mutual funds help manage financial risk?
How can mutual funds help manage financial risk? More significant gains are associated with both business success and variable risk in business and investment. Six risk factors and constructive ways to deal with them are examined below. Risk increases with …
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Financial Strategies using Life Insurance
Life insurance needn’t be a boring topic. It’s the foundation of a sound financial plan. Moreover, protecting our family’s financial future is of great interest.
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Life Insurance and the Principle of Decreasing Responsibility
The “principle of decreasing responsibility” is a financial planning concept that states that an individual who has dependents such as a spouse and/or children has financial responsibilities that life insurance can help meet in the event of death.
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Avoid the Old Age Security (OAS) Clawback
The Old Age Security (OAS) clawback, officially known as the OAS recovery tax, reduces the amount of OAS pension you receive if your income exceeds a certain threshold. To avoid or minimize the OAS (Old Age Security) clawback in 2025, …
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7 ways life insurance protects your financial foundation
Life insurance has been called the foundation of your net worth. If you have a spouse or children, the initial stages of your financial strategy should include adequate life insurance coverage.
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To retire well, maximize your income strategies
We invest in what people buy. When an equity investment fund or stock is purchased, you indirectly invest in businesses relating to what consumers buy.
Read Article Investing with a team of asset managers
If you are an investor who remembers the mortgage debt crisis of 2008-9, you know that the stock market lost significant value. From an investment standpoint, the real downside occurred when some investors sold off their equity holdings due to …
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Understanding transferring RRSPs to RRIFs.
RRSP Maturity Strategies: You are allowed to contribute to your RRSP up until December 31 of the year that you turn 71, at which point your RRSP must be closed. Instead, you can select any or a combination of: transferring …
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What is taxable in an estate?
After the death of an individual, every estate must file a final (or ‘terminal’) tax return. All assets are deemed to be disposed of at time of passing, and this can trigger probate fees and other expenses.
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