Market Insights

Jim Otar

Jim Otar , CFP, is a financial planner, a professional engineer, a market technician and a financial writer and the founder of Retirementoptimizer.com Inc.

A breakdown of who benefits from the federal government’s proposed annuity

  • February 7, 2020 February 7, 2020
  • 09:30

The famous 4% rule won’t work for many clients

  • May 16, 2014 September 8, 2018
  • 00:10

Picture this: You have a client – 10 years away from retirement – who comes to you for retirement advice. You spend several hours, maybe a full day with him, going over many different retirement scenarios. At the end of this exercise, you prepare a plan that is as thick as a phone book. In […]

  • June 8, 2010 August 14, 2018
  • 10:11

“What?” you might say, “I didn’t know universal life insurance (UL) had an expiry date!” Relax. You’re right. UL doesn’t come with an expiry date. As long as you pay the premiums on time, you’re covered. “But if lifelong payment seems like a long commitment, universal life has a clause—quick-pay UL insurance—that allows the insured […]

  • August 1, 2009 August 14, 2018
  • 12:57

Proper retirement planning requires planning for the worst, so deciding what to focus on in a retirement plan is no easy task. More often than not, financial planners think in terms of accumulation. But, once you switch from the accumulation stage to the distribution stage, the math is entirely different. While you can talk about […]

  • April 7, 2009 August 14, 2018
  • 00:00

The notion of borrowing money to invest likely isn’t first and foremost on most people’s minds in a down market. But I’ve come across yet another study touting the benefits of leveraging retirement savings. The release of the June 2008 working paper, Life-Cycle Investing and Leverage: Buying Stock on Margin Can Reduce Retirement Risk, written […]

  • February 1, 2009 August 14, 2018
  • 00:00

More columnists

Budget 2019 could mean more tax payable for fundholders

Department of Finance expects to gain $350 million by 2024 from proposals

  • April 2, 2019 April 2, 2019
  • 09:00

CRA to delay registered fee position ‘indefinitely’

This delay represents a win for industry associations

  • October 3, 2018 October 4, 2018
  • 15:00

CRA targets RRSP, TFSA abuses in long-awaited tax document

Agency also delays implementing registered fee position

  • October 1, 2018 November 2, 2018
  • 16:55

The (potential) future of advice reforms

Compared to what’s happening in Australia, CSA’s June missives are meek

  • September 21, 2018 June 18, 2019
  • 12:00
Tax & Estate Planning

Curtis Davis

Sprinkle the income, but beware the tax

A TOSI case study

  • February 7, 2020 February 6, 2020
  • 09:30

Investing personally or in a corporation

How passive income rules factor in to the decision

  • November 29, 2019 November 29, 2019
  • 12:00

Revisiting salary versus dividends in light of federal tax changes

New considerations for incorporated small business owners

  • October 25, 2019 October 28, 2019
  • 13:00

RRSP vs. TFSA: a classic apples and oranges comparison

Identifying clients’ goals will clarify the choice

  • August 12, 2019 August 22, 2019
  • 15:00

The meaning of trust is changing

Competence is no longer enough

  • February 7, 2020 February 6, 2020
  • 09:30

Being an advisor in 2030

Reluctant predictions for the decade ahead

  • November 29, 2019 November 27, 2019
  • 12:00

Ignore climate risk at your peril

Advisors have every reason to boost sustainable investing knowledge

  • September 20, 2019 September 26, 2019
  • 15:00

Addressing the middle-class gap in financial advice

Rather than courting only HNW clients, advisors should look for ways to serve more households

  • March 25, 2019 March 25, 2019
  • 13:51
Investments

Mark Yamada

The precariousness of low interest rates: Part 1

Rates have fallen and can’t get up

  • February 7, 2020 February 7, 2020
  • 09:30

ETF assets pass tipping point in U.S.

Prepare for an assault on market dominance

  • November 29, 2019 December 5, 2019
  • 12:00

Compounding is a double-edged sword

Breaking down various fee scenarios

  • October 30, 2019 October 30, 2019
  • 13:43

Is value investing broken?

Patience has a price

  • September 20, 2019 September 20, 2019
  • 15:00
Market Insights

Jim Otar

ALDAs: to buy or not to buy

A breakdown of who benefits from the federal government’s proposed annuity

  • February 7, 2020 February 7, 2020
  • 09:30

Prioritize expenses in drawdown calculations

The famous 4% rule won’t work for many clients

  • May 16, 2014 September 8, 2018
  • 00:10

Pitching disability coverage

Picture this: You have a client – 10 years away from retirement – who comes to you for retirement advice. You spend several hours, maybe…

  • June 8, 2010 August 14, 2018
  • 10:11

How to overfund UL

“What?” you might say, “I didn’t know universal life insurance (UL) had an expiry date!” Relax. You’re right. UL doesn’t come with an expiry date.…

  • August 1, 2009 August 14, 2018
  • 12:57
Tax & Estate Planning

Jamie Golombek

Testing of T1135 penalties continues

The latest court case highlights the importance of filing on time

  • February 7, 2020 February 19, 2020
  • 09:30

Is a Holding Company Right for Your Client?

Breaking down the tax implications.

  • December 10, 2019 December 18, 2019
  • 16:00

TFSA overcontribution woes continue

A taxpayer deposited a cheque into the wrong account

  • November 29, 2019 November 27, 2019
  • 12:00

Golombek’s Year-End Tax Tips

Help your client with timely tax-efficient planning

  • November 25, 2019 January 31, 2020
  • 16:00
Tax & Estate Planning

Akua Carmichael

Avoiding a dependant’s relief claim

A recent court case illustrates the risks that come with longer lives

  • February 7, 2020 February 6, 2020
  • 09:30

Avoiding estate litigation

Estate planning centres on one main goal: preserving estate assets. While advisors offer planning advice and employ various strategies to reduce the tax liability of…

  • May 29, 2013 August 21, 2018
  • 05:59

Creating a circle of trust

Testamentary trusts can be a useful tool in creating an estate plan, and ensuring that spouses who remarry, children from previous marriages and disabled children…

  • May 14, 2010 June 16, 2018
  • 00:00

Assessing Trustee Liability

The Ontario Superior Court case, Hicks v. Hicks, 2003 CanLii 2132 (ON S.C.), presents some interesting issues regarding trustee liability in situations where a trust…

  • May 1, 2010 June 16, 2018
  • 10:45

Could a ban on share buybacks really happen?

Examining policy options in a heated primary season

  • February 7, 2020 February 6, 2020
  • 09:30

Reverse factoring is the latest accounting pitfall

Lack of regulations means anything goes

  • November 29, 2019 November 27, 2019
  • 12:00

Interpreting short-seller reports

Why advisors should use their intuition

  • October 25, 2019 October 25, 2019
  • 13:00

Composition of Canadian indexes leaves much to be desired

Help clients screen out governance concerns

  • July 2, 2019 July 2, 2019
  • 14:30
Tax & Estate Planning

Rebecca Hett

Help your farmer clients maintain their tax advantages, Part 3

Be aware of the rules and considerations for a tax-deferred property transfer

  • February 6, 2020 February 6, 2020
  • 16:25

Help your farmer clients maintain their tax advantages, Part 2

Find out the criteria for determining qualified farm property

  • January 31, 2020 February 6, 2020
  • 14:00

Help your farmer clients maintain their tax advantages, Part 1

Avoid these pitfalls to access the lifetime capital gains exemption

  • January 30, 2020 January 30, 2020
  • 12:00

Tax implications of divorce, Part 2

Settling different types of property

  • April 10, 2019 April 3, 2019
  • 14:27
Tax & Estate Planning

Doug Carroll

Disputing when critical illness insurance is payable

Former cabinet minister John Manley lost a case contesting a policy's "triggering event"

  • January 28, 2020 January 28, 2020
  • 16:16

Corporate investments and the small business rate

Developing a plan for extracting corporate money

  • February 5, 2019 February 5, 2019
  • 10:00

Caution when counselling DB-to-IPP transfers

A legal case sounds a note of caution for advisors

  • October 15, 2018 October 23, 2018
  • 17:32

Estimating the cost of CPP additions for employees

Here’s what we can expect to pay under the new system

  • September 21, 2018 February 1, 2019
  • 12:00
Tax & Estate Planning

Keith Masterman

Time-sharing versus fractional ownership

Help your client choose a vacation property with these tips

  • December 18, 2019 December 17, 2019
  • 14:00

Can your client disinherit a child?

A court decision in Nova Scotia has implications for estate planning

  • August 19, 2019 August 19, 2019
  • 14:50

Estate planning and the disabled beneficiary

Consider these factors before establishing a Henson trust

  • May 10, 2019 May 7, 2019
  • 14:00

Tax planning when your client receives severance

The tax implications depend on how severance is characterized

  • January 15, 2019 June 27, 2019
  • 16:21
Tax & Estate Planning

Wilmot George

Can a surviving spouse split her income with her deceased spouse?

More on pension income splitting for the year of death

  • November 15, 2019 November 13, 2019
  • 16:00

Tax and estate concerns at different life stages

Tips for serving clients of all ages

  • October 25, 2019 October 28, 2019
  • 13:00

Selling real estate? The CRA is watching

What clients need to know about reporting transactions

  • July 18, 2019 July 17, 2019
  • 15:00

Is pension income splitting available for the year of death?

Help your client’s family by understanding the tax rules

  • May 7, 2019 May 6, 2019
  • 15:00
Insurance

Kevin Wark

How the CRA takes the life out of life interest trusts

If your business-owner client uses these trusts, special planning is required

  • October 25, 2019 October 25, 2019
  • 13:00

Immediate leveraged insurance: Tips and traps

Watch out for these issues

  • September 12, 2018 September 12, 2018
  • 15:14

Why clients should play it straight with the collateral insurance deduction

A recent Tax Court case debunked a common misconception

  • June 28, 2018 September 7, 2018
  • 00:00

Quirks and foibles with insurance policy loans

Tax consequences associated with policy loan transactions

  • May 11, 2018 September 12, 2018
  • 00:00

Finding the courage to be a leader

Industry research can make advisors feel vulnerable. Use that feeling as a call to action.

  • October 25, 2019 October 25, 2019
  • 13:00

Rethink your value proposition

Be clear about what you stand for, so clients won’t fall for what you don’t

  • May 24, 2019 June 11, 2019
  • 09:00

Clients like you, they really like you—and that’s a problem

There's a shadow side to likability

  • May 11, 2018 September 7, 2018
  • 00:00

Move over CRM2: MFDA proposes total cost disclosure

Initial industry reaction to the SRO's discussion paper

  • April 25, 2018 September 4, 2018
  • 00:00
Tax & Estate Planning

Jacqueline Power

Planning for blended families using trusts

Complex families can have complex needs

  • October 16, 2019 October 16, 2019
  • 13:00

CPP enhancements: what to tell clients

Younger clients will enjoy a greater benefit from changes introduced this year

  • March 20, 2019 June 27, 2019
  • 13:00

Talk to clients about pullback of ODSP proposals

Increases to the program have been put on hold

  • October 1, 2018 October 1, 2018
  • 15:14

Best tax options to transfer the cottage to kids

An expert offers a sample case to help clients avoid tax pitfalls

  • April 5, 2018 March 19, 2019
  • 00:00
Tax & Estate Planning

Frank Di Pietro

Tax changes looming for employees receiving stock options

Help clients navigate the new rules

  • September 20, 2019 September 20, 2019
  • 15:00

Help maximize RDSP carry forwards

Some features of the RDSP are worlds apart from its RESP cousin

  • February 1, 2019 February 1, 2019
  • 12:00

Tax traps when converting a home to an income property

Implications for the principal residence exemption

  • August 8, 2018 September 7, 2018
  • 00:00

What TOSI means for succession planning

Find out how income sprinkling measures apply to inherited property

  • February 22, 2018 September 10, 2018
  • 09:59
My Practice

Mark Groulx

What buyers look for when acquiring a business

Key considerations when advising business-owner clients

  • September 18, 2019 September 17, 2019
  • 14:30

Preparing a family business for sale

Years of organization can precede a sale process—and it’s worth the effort

  • June 11, 2019 June 10, 2019
  • 15:00

Managing multiple goals when selling a family business

A case study of a complex process

  • April 5, 2019 April 5, 2019
  • 13:27

Helping clients sell a business

Every transaction presents unique challenges

  • January 18, 2019 January 18, 2019
  • 15:00
Tax & Estate Planning

Margaret O’Sullivan

How the global privacy debate is playing out in Canada

Legislation affects disclosures on trusts, real estate and corporations

  • September 16, 2019 September 13, 2019
  • 13:30

Multiple taxation on death: the taxpayer’s nightmare

Steps to limit tax in other jurisdictions

  • February 25, 2019 March 27, 2019
  • 00:00

Mutual wills: proceed with caution

Examining an alternative to trusts

  • November 28, 2018 December 4, 2018
  • 09:00

Keep estate planning documents safe

A key consideration that’s often overlooked

  • September 21, 2018 September 20, 2018
  • 12:00
Tax & Estate Planning

Max Reed

Tax issues when Canadians have U.S. executors

Tips to avoid cross-border complications

  • June 13, 2019 June 13, 2019
  • 16:00

Pleading not GILTI: tax deferral strategies for Canadian-resident U.S. citizens

The story behind global intangible low-taxed income

  • February 23, 2018 September 7, 2018
  • 11:56

4 structures to protect Canadians from the U.S. estate tax—updated

Canadian residents who aren’t U.S. citizens may be surprised to know that U.S. estate tax can apply to them

  • February 20, 2018 September 4, 2018
  • 11:52

Renouncing U.S. citizenship after U.S. tax reform

Renouncing is a personal decision with a number of pros and cons

  • February 20, 2018 September 4, 2018
  • 05:59
Tax & Estate Planning

Rebecca Cicco

An expedient alternative to the post-mortem pipeline

A strategy for business-owner clients to mitigate double taxation at death

  • May 9, 2019 May 10, 2019
  • 14:00

Proceed with caution when aging seniors request account changes

What advisors should know

  • November 12, 2018 November 14, 2018
  • 15:00

Holding private company shares at death could cost your client

An expert explains the tax consequences—and how to avoid them

  • May 28, 2018 September 13, 2018
  • 00:00