News and resources for Canada's top financial advisors
Tax & Estate
Carol Bezaire , PFPC, TEP, CLU, is the vice-president of tax and estate planning at Mackenzie Investments. Carol can be contacted at: firstname.lastname@example.org
Understand the potential benefits and pitfalls for your client
By Carol Bezaire | June 19, 2018
5 min read
How a change in client circumstances changes the answer.
By Carol Bezaire | February 3, 2017
2 min read
ETFs have unique taxation aspects when they’re held in non-registered accounts
By Carol Bezaire | August 10, 2016
4 min read
As more advisors are assisting families to open these plans, be aware of two specific points.
By Carol Bezaire | January 7, 2013
3 min read
If a disabled client receives an inheritance, it can interfere with federal and provincial social assistance benefits. So you must do special planning to prevent any erosion of benefits, while allowing assets to build for the future.
By Carol Bezaire | July 5, 2012
Points to think about when discussing ITFs with your clients
By Carol Bezaire | February 13, 2012
As advisors, you are probably meeting next generation relatives of your long-term clients. These new contacts may play an important role in your continued relationship with your client, as the client’s “representative” (the attorney appointed by a “Power of Attorney” in most provinces, or the mandatory appointed by a “Mandate in anticipation of Incapacity” in Quebec) for financial and legal matters if your client becomes mentally incapable.
By Carol Bezaire | July 26, 2011
As an advisor, you may run into situations with your clients wherein their estate plans may be challenged by beneficiaries who feel they were not awarded their "fair" share of inheritance. The increased complexity of today’s society (blended families, individual financial arrangements, etc) requires well-documented estate plans.
By Carol Bezaire | March 21, 2011
January 1, 2011 will see the first of a number of changes impacting how clients (and advisors) incorporate Canada Pension Plan (“CPP”) retirement benefits into their financial plans. These changes will become effective between 2011 and 2016. Clients who are thinking about retirement need to be informed of the new rules. The benefits will differ depending on client age and earnings history, as well as their ability or desire to work past the age of 60.
By Carol Bezaire | December 7, 2010
Much has been written about the opportunity for family tax savings that can be achieved by shifting investments from a high taxpayer spouse (“spouse” also refers to a common-law partner) to a lower taxpayer spouse. One of the more popular strategies is the use of a spousal loan. This process requires the borrowing spouse to […]
By Carol Bezaire | August 5, 2010
6 min read
Beginning January 2010, self-employed individuals (including many financial advisors) can opt into the Employment Insurance (‘EI’) system, thereby qualifying for special EI benefits. Bill C-56, the “Fairness for the Self-Employed Act” received Royal Asset on December 15, 2009. This legislation allows self-employed persons to, for the first time, pay premiums on a voluntary basis – […]
By Carol Bezaire | March 19, 2010
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