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Current Digest for April 2024

Weekly Market Update for April 28, 2024
Your market update for the week
View Document
Federal Budget April 2024
 snapshot of our budget moving forward
View Document
Falling Rate Drop
Prepare your clients
View Document
Monetary Policy 101: Bank of Canada and Interest Rates
A good education for your clients
View Document
Protect Your Clients from Scams
Educate your clients with this update
View Document
Quarterly and Monthly Market Update for March 2024
Your market update for the month and year to date
View Document
New CRA Filing and Disclosure Rules for Bare Trusts
Update your clients on this new rule
View Document
Taxes Preparedness List
A handout for any time of the year
View Document
What Happens If You Overcontribute to Your TFSA?
Don't let this happen to you
View Document
TFSA or RRSP? Take your pick 2024
Keep your clients up to date with changes on this topic
View Document

Client Ready Content

Federal Budget April 2024
 snapshot of our budget moving forward
View Document
Monetary Policy 101: Bank of Canada and Interest Rates
A good education for your clients
View Document
Quarterly and Monthly Market Update for March 2024
Your market update for the month and year to date
View Document
Monthly Market Update for March 2024
Your monthly in numbers for February
View Document
Taxes Preparedness List
A handout for any time of the year
View Document
Exchange Traded Funds and their growth in Canada – updated 2024
Updated
View Document
Monthly Market Update for January 2024
Your market update for the month of January
View Document
A Brief Overview of IPP’s
Some of your clients may find this a more suitable investment based on their higher income
View Document
RRSPs Again. Just the Basics for 2024
Another 101 article for those investors starting out
View Document
Mastering Momentum for Financial Advisors
A new '"Build Your Business"" guide form Kelly Maxwell
View Document
Robo-Advisors – Don’t be fooled, they’re good news!
Clients need the human touch
View Document
Establishing Your Legacy
Level up your clients' retirement legacy needs
View Document
Investment Income and Income Tax
Ensure that investors understand how their investments are being taxed
View Document
The Middle East and Investing
What do you tell your clients if asked about these situations
View Document
Avoiding scams, Online theft, and Protecting your Clients Data
Help you clients protect their money and
View Document
Retirement Income Strategies Sooner or Later, You’ll Take CPP
The pros and cons and when to take
View Document
Protect Your Clients Data
Implement the top tips listed below to secure your clients’ data
View Document
The First Home Savings Account Has Arrived
Housing and anyway to money save at this time is always an important topic
View Document
Banking Collapes: What do they experts think?
March 2022 A few links to articles of opinion
View Document
10 Reasons to Work with a Financial Advisor
A quick list of reasons why you are here in the first place
View Document
Spousal RRSPs
The do's and do nots on this topic
View Document
Quick Facts about Buying Real Estate in the US
Pros and cons of buying US realty
View Document
The Multi-Generational Home Renovation Tax Credit
All of your clients should be aware of this topic
View Document
Yearly Market Update for 2022
January 2023 A look at the numbers
View Document
Federal Budget April 2023
The highlights of the budget
View Document
Executive Health Plans 101
Teach your business owning clients the ins and outs of this option
View Document
Bonds 101
Educate your clients with this quick guide
View Document
Investment Loans
Investment Loans today vs. those of last year
View Document
How high are Interest Rates?
A history of interest rates
View Document
Are GICs a Good Investment?
Rising interest rates and leading some investors down this path
View Document
What your Financial Advisor Can Do
Start showcasing the ways in which you provide additional support
View Document
Pay-down your Mortgage or Top-up your TFSA 2022
2022 update of this topic
View Document
Taxes and Retirement 2024 Presentation
All presentations now free for ARG Members
View Document
Extracting Equity from Real Estate – House Rich, Retirement Poor
Housing prices have continued to rise, as have the dire warnings of a “bubble” hitting the major markets in Canada.
View Document
Quarterly Update for October 2022
Your market update for the month of July to September
View Document
A Step-by-Step Guide to Property Insurance Audit
A piece needed for any severe weather moment
View Document
3 Misconceptions About Estate Planning
A good post to keeping your clients level headed
View Document
RESP’S: 2024
Our latest update in terms of RESPs
View Document
What Does it Actually Mean to Diversify?
No better time then now for this topic
View Document
6 Recession Tips . . . it is never too late to plan
Give your clients some easy to follow reminders of being financially prepared
View Document
The Corporate Retirement Strategy
Educate your business owners on this strategy for their retirement
View Document
Market Volatility Communication Email
Markets behaving poorly? Download this document to have ready at your disposal when such issues occur
View Document
Why Every Family Should Have a Budget
Remind clients/prospects the importance of money management and therefore the importance of you
View Document
Financial Planning Presentation for those with Children with Disabillities
All presentations now free for ARG Members
View Document
How Interest Rates Work: update 2022
The latest update to best explain this scenerio to clients
View Document
Tax Matters for HNW
Tax implications that usually only affect the
View Document
Monthly Market Update for June 2022
What happened in June
View Document
Supplementing Your Retirement with A Reverse Mortgage
Due to the intricacies of this topic, make sure your clients know what to expect
View Document
Protection for Investors and Depositors in Canada
Let your clients know you are on top of keeping their money safe
View Document
Monthly Market Update from May 2022
2022 What happened in April
View Document
Retirement Myths Debunked
Myths we have to be wary of to ensure we have an adequate retirement income
View Document
Top Investment Myths vs Reality
5 investment myths many of your clients might still believe.
View Document
Electric Cars v Hybrid Cars
Ready or not, your clients will need to make this decision one day
View Document
Life Insurance Options Explained
A quick guide to hand out to clients/prospects in order to give them the basics on this important topic
View Document
Saving your Raise! Saving your Bonus! What should you do now?
Saving versus spending is the popular question during this inflation
View Document
How Investment Income Is Taxed
On updated topic that is now more important than ever
View Document
Why You Should Only Have One Advisor
As obvious as this may sound, some clients need to be aware of this
View Document
Three Investment Strategies That Have Stood the Test of Time
Some clients want to less risk
View Document
The Connection Between Health and Wealth
Express the importance of health issues as it relates to poor financial planning
View Document
Monthly Market Update for March 2022
What happened in March
View Document
Rent versus Buy?
A question all younger generations have started asking
View Document
Capital Gains and Tax 101
Do your clients have a good understanding of this topic
View Document
Monthly Market Update for January 2022
What happened in January
View Document
Prioritizing Your Debt
Help guide your clients acquire more investment income
View Document
Good Debt Vs Bad Debt
Make the difference clear to your clients
View Document
Using Corporate Owned Life Insurance to Reduce Passive Income Taxation
With new regulations for business owners; show them you are right there with them with this article
View Document
Universal vs Whole Life: A primer for your clients
Here we’ll explore the similarities and differences between Universal Life and Whole Life
View Document
How To Attract and Maintain Talent for Your Business
Help your business owners find and maintain hires. It is not as easy as it once was
View Document
A Year in Review
What happened in
View Document
Quitting your Job? What you Need to Know about Your Pension
Are any of your clients leaving their current job
View Document
Tax Loss Selling
December is the time of year to sell off some of the under-performing securities. 
View Document
How to Financially Prepare for Divorce
A timely update (unfortunately) for anyone in this situation
View Document
Budgeting For this Holiday
A useful reminder for every holiday your clients entertain
View Document
Things To Know About NFTs
A breakdown of an emerging investment opp
View Document
Tips on Retirement Savings Plan
A good primer for those starting out
View Document
Calling Their Bluff: Protecting Yourself – and Your Parents – from Tax Fraud
Keep your clients up to date with these warning signs
View Document
Managing Your Portfolio in Uncertain Times
It's never not a good time for your clients to review their portfolio
View Document
How To Protect Your Assets Against Inflation
Some basic tips for these changing times
View Document
Effects of Inflation
Educate your clients on this important topic and avoid unwanted surprises due to this topic
View Document
Retirement Planning for Late Starters
We all get them as clients. Help them ease into it with this update
View Document
Your Investments Might Have a Large Impact on Climate Change
For those investors that are more active in preventing Climate Change
View Document
ESG Investing
ESG investing is continuing to become a popular investment method. Learn more
View Document
Snowbirds and U.S. Tax
Guidelines your clients should know that vacation down south
View Document
3 Tips for Staying on Top of Your Mortgage in Tough Times
If this advice was needed at any time, it is now
View Document
What A Liberal Minority Government Will Mean for the Markets and Canadian Investors
How does the recent election impact your clients
View Document
Teaching the ABC’s of Financial Planning (updated September 2021)
All presentations are now free for ARG Members. Updated September
View Document
SnowBirds and U.S. Tax Free Presentation
All presentations are now free for ARG Members.
View Document
Understanding Employee Stock Options
For your clients that can offer or have been offered this option
View Document
Why Living Benefits Are the Foundation of Your Financial Tool Kit
A very important topic all clients should be aware of
View Document
Converting an RRSP to a RRIF
An update for our aging population
View Document
Five Credit Mistakes You Should Never Make
A basic checklist for us but news to more people then you think
View Document
How To Create A Portfolio For The Long Run
Give your clients some how to start thoughts
View Document
Monthly Market Update for June 2021
Jully 2021 What happened in June
View Document
5 Ways to Avoid Capital Gains Tax
Post these tips to assist your
View Document
4 Common Myth About ETFs
Explain what many of your clients misunderstand on this topic
View Document
HOW TO VACATION ON A BUDGET
People have been waiting for this opportunity for a long time now
View Document
HOW TO UTILIZE TAX-FREE ANNUITY EXCHANGES TO YOUR FINANCIAL BENEFIT
Some good advice for certain clients in this bracket
View Document
Funding Your Childs Education Without Adding More Debt
Some options your clients should consider
View Document
Monthly Market Update for May 2021
June 2021 What happened in May
View Document
THE TOP THREE FACTORS YOU FORGOT TO CONSIDER WHEN YOU WERE PLANNING YOUR RETIREMENT
Remind your clients what to consider and avoid in this stage
View Document

Investments and Savings

Falling Rate Drop
Prepare your clients
View Document
Protect Your Clients from Scams
Educate your clients with this update
View Document
Quarterly and Monthly Market Update for March 2024
Your market update for the month and year to date
View Document
Monthly Market Update for March 2024
Your monthly in numbers for February
View Document
Exchange Traded Funds and their growth in Canada – updated 2024
Updated
View Document
RRSPs Again. Just the Basics for 2024
Another 101 article for those investors starting out
View Document
TFSA’s: The Basics for 2024
Give your clients the basics about TFSA's
View Document
Investment Income and Income Tax
Ensure that investors understand how their investments are being taxed
View Document
The Middle East and Investing
What do you tell your clients if asked about these situations
View Document
Banking Collapes: What do they experts think?
March 2022 A few links to articles of opinion
View Document
Spousal RRSPs
The do's and do nots on this topic
View Document
Federal Budget April 2023
The highlights of the budget
View Document
Bonds 101
Educate your clients with this quick guide
View Document
Investment Loans
Investment Loans today vs. those of last year
View Document
How high are Interest Rates?
A history of interest rates
View Document
Pay-down your Mortgage or Top-up your TFSA 2022
2022 update of this topic
View Document
Extracting Equity from Real Estate – House Rich, Retirement Poor
Housing prices have continued to rise, as have the dire warnings of a “bubble” hitting the major markets in Canada.
View Document
RESP’S: 2024
Our latest update in terms of RESPs
View Document
What Does it Actually Mean to Diversify?
No better time then now for this topic
View Document
Why Every Family Should Have a Budget
Remind clients/prospects the importance of money management and therefore the importance of you
View Document
How Interest Rates Work: update 2022
The latest update to best explain this scenerio to clients
View Document
Portfolio Quick Fix Checklist
This is a great checklist from your clients/prospects perspective that will help you add much more value
View Document
Top Investment Myths vs Reality
5 investment myths many of your clients might still believe.
View Document
Saving your Raise! Saving your Bonus! What should you do now?
Saving versus spending is the popular question during this inflation
View Document
How Investment Income Is Taxed
On updated topic that is now more important than ever
View Document
Why You Should Only Have One Advisor
As obvious as this may sound, some clients need to be aware of this
View Document
Three Investment Strategies That Have Stood the Test of Time
Some clients want to less risk
View Document
Prioritizing Your Debt
Help guide your clients acquire more investment income
View Document
Good Debt Vs Bad Debt
Make the difference clear to your clients
View Document
Quitting your Job? What you Need to Know about Your Pension
Are any of your clients leaving their current job
View Document
Things To Know About NFTs
A breakdown of an emerging investment opp
View Document
Tips on Retirement Savings Plan
A good primer for those starting out
View Document
Managing Your Portfolio in Uncertain Times
It's never not a good time for your clients to review their portfolio
View Document
Your Investments Might Have a Large Impact on Climate Change
For those investors that are more active in preventing Climate Change
View Document
ESG Investing
ESG investing is continuing to become a popular investment method. Learn more
View Document
Why Living Benefits Are the Foundation of Your Financial Tool Kit
A very important topic all clients should be aware of
View Document
Five Credit Mistakes You Should Never Make
A basic checklist for us but news to more people then you think
View Document
How To Create A Portfolio For The Long Run
Give your clients some how to start thoughts
View Document
4 Common Myth About ETFs
Explain what many of your clients misunderstand on this topic
View Document
LUMBER PRICING AND HOW IT MAY AFFECT YOUR INVESTMENT
How is this going to affect certain clients and new home buyers
View Document
Credit Card Debt Is Your Financial Worst Enemy
Help your clients manage this ongoing problem most people face
View Document
RDSP – What you need to know now 2024
The latest changes in RDSPs
View Document
5 Ways to Ensure That You Reach Your Retirement Goals
A quick post to keep your clients on track
View Document
What to Consider When Drawing Down Your RRSP
An update on new considerations that need to be considered
View Document
3 Essential Considerations for Women Who Are Planning for Retirement
A woman's need in retirement
View Document
The Importance of Being Realistic About Your Finances
A good reminder for your clients that keeping up with the Jones's is not the goal in life
View Document
What Investors Should Watch for…
A new president, open travel, and other factors that can impact your money
View Document
What Happens If You Overcontribute to Your TFSA?
Don't let this happen to you
View Document
What Is Your Financial Independence Number?
Give your clients a clear goal with this formula
View Document
Understanding Thematic Investing
A growing trend som of your clients might take interest in
View Document
4 Things You Should Know About Your Financial Advisor
Educating your clients on this topic only proves yourself confident in your practice
View Document
What the Big Banks are Saying About Economic Recovery
Provide your client with 3rd expertise during these times
View Document
Client Assessment Tool
Use this tool to ascertain all of your client/prospect needs quickly and efficiently
View Document
Everyone has a financial issue every 6 months
A best practice approach to getting HNW clients
View Document
Financial Planning Checklist
Start using this checklist for prospects and favourite clients
View Document
6 Tips for More Successful Investing
Some good tips your client will appreciate
View Document
Bear Market Vs. Bull Market: How Can You Tell What We’re In?
Educate your clients during these trying times on when to invest
View Document
What Is an Emergency Fund and How to Build One?
Never has there been a better time to remind your clients of this strategy
View Document
Buying a Book
A refresher on the steps you must consider when buying a book
View Document
Market Corrections and Next Steps
Update your clients that are concerned about current market fluctuations
View Document
Final RRSP Contributions – the last chance to save some tax?
Another report your clients show know to better prepare for next season
View Document
TFSA or RRSP? Take your pick 2024
Keep your clients up to date with changes on this topic
View Document
Corporate Class Mutual Funds
Educate your clients on this topic as a viable option for tax planning
View Document
5 Investing Truths You Need to Hear
Your clients will appreciate you for educating them on risk and reward
View Document
4 Tips for Preparing for The Upcoming Tax Year
Pass this along to help your clients prepate for tax time
View Document
Understanding RRIF’s
Do your clients understand the technicalities of RRIF's
View Document
How the CPP Dropout Provisions Can Affect Your Entitlement
Every client would appreciate an update on anything CPP related
View Document
Dividend Income Vs Interest Income: How They Affect OAS
Help your clients avoid any clawback
View Document
The Pros and Cons of Dividend Investing
Which one is better for each client
View Document
Why You Should Be Careful in Thinking Your House is an Investment
Ensure that your clients understand this concept
View Document
Why Investing Is Nothing Like Gambling
A good note to educate younger clients about your real value
View Document
Strategic vs Tactical Asset Management
Find out what kind of risk your clients will take
View Document
How to Make RESP Withdrawals?
Help your clients understand the complexities of this topic
View Document
4 Tips on How to Balance Financial Priorities
A quick list for your clients to consider
View Document
What Is FAANG
Educate your clients regarding the future of tech
View Document
3 Things You Should Stop Paying For
Share these tips on your blog or social media
View Document
The Benefits of a Group RRSP
A good start to showing off the pros for Group plans
View Document
Risky Business: Types of Investment Risk
Your clients will appreciate an upfront approach on this topic
View Document
Common Vs. Preferred Shares
A 101 guide for keeping your clients educated on this topic
View Document
3 Little Known Ways to Raise Money Savvy Kids
A great gift for all your clients with younger children
View Document
How Young Professionals Can Set Themselves Up for Financial Success
A great 101 article to engage the upcoming generation
View Document
How RESP’s Fit into Your Estate Plan
Share this with your clients invested in their estate plan
View Document
The Saving Versus Mortgage Dilemma: How to Best Utilize Extra Cash
A clearer picture of what your clients should be doing with excess cash
View Document
The Future of Cannabis Stocks
Set your clients expectations straight with this report on the future of cannabis stocks
View Document
The Basics of Flow Through Investing
A quick guide for those clients interested in learning about investment options
View Document
Hedge Funds
For your HNW clients looking to invest in Hedge Funds. Here is the 101 article
View Document
Why You Shouldn’t Be Scared of Investing
There are those of us with a low-risk threshold. This article is for them
View Document
Life Changes Your Advisor Should Know
A quick note to ensure you are up to date with your clients and their money is up to date with you
View Document
Melting Down Your RRSP 101
Keep your clients aware and up to date on what this topic can mean to them in the future
View Document
Bitcoin 101
Is Bitcoin something worth considering for future investments? Start here to better understand this new currency
View Document
BEHAVIORAL FINANCE: 5 Investing Biases and How to Avoid them
Act on behalf of your clients best interests by teaching them these biases to avoid
View Document
Fund Management: Is Active or Passive Better for You?
A popular topic for clients that are always interested in learning more about their investment possibilities
View Document
Exchange Traded Funds 101
Keep your clients and you up to date with this latest ETF
View Document
Segregated Funds
Give your clients a 101 update if segregated funds are an option they need to know
View Document
The Insanity of RRSP Season
January and February are always considered the most difficult periods for investors and their advisors. 
View Document
To REIT or not to REIT
REITs are an alternative that presents many of the benefits of owning real estate with none of the risks of individual ownership
View Document
Ethical Investing – Is it worth the trouble?
Social responsibility continues to grow on everyone’s personal agenda, and the money is now beginning to follow a conscience path, be ready to start the discussion with this intr...
View Document
Cash Flow Planning 101
The popular press talks about ‘what’ we should spend or save, but not ‘how’
View Document
Foreign Content: What’s the right amount?
If the question is whether North American investors should invest overseas, then the answer is always “maybe”.
View Document
Linking Powers of Attorney, Beneficiaries, Wills and Estates
here are two types of Powers-of-Attorney; personal care and financial matters. Whats the differenceÉ
View Document

Insurance

A Step-by-Step Guide to Property Insurance Audit
A piece needed for any severe weather moment
View Document
The Corporate Retirement Strategy
Educate your business owners on this strategy for their retirement
View Document
Financial Planning Presentation for those with Children with Disabillities
All presentations now free for ARG Members
View Document
Protection for Investors and Depositors in Canada
Let your clients know you are on top of keeping their money safe
View Document
Portfolio Quick Fix Checklist
This is a great checklist from your clients/prospects perspective that will help you add much more value
View Document
Life Insurance Options Explained
A quick guide to hand out to clients/prospects in order to give them the basics on this important topic
View Document
Why You Should Only Have One Advisor
As obvious as this may sound, some clients need to be aware of this
View Document
Universal vs Whole Life: A primer for your clients
Here we’ll explore the similarities and differences between Universal Life and Whole Life
View Document
A Guide to Parental Benefits in Canada
Ensure your clients are aware of their options in this matter
View Document
What You Need to Know About Guaranteed Minimum Withdrawal Benefit Annuities
A good option to share with clients wanting secure retirement funds
View Document
4 Things You Should Know About Your Financial Advisor
Educating your clients on this topic only proves yourself confident in your practice
View Document
What Does Having a Pre-Existing Condition Mean for Your Life Insurance?
Educate your clients before beginning any process in this area
View Document
Client Assessment Tool
Use this tool to ascertain all of your client/prospect needs quickly and efficiently
View Document
RDSPs 101: What You Need to Know
RDSP was designed to allow Canadians with disabilities and their families to save
View Document
The Value of Participating Life Insurance
Tax savings or estate planning added support
View Document
Understanding Children’s Critical Illness Insurance
Give your clients all the options to protect themselves
View Document
A Guide to Individual Disability Insurance
Keeping your clients' financial protection in line
View Document
Understanding Life Insurance Riders and How They Can Help You
Do your clients know their options
View Document
Financial Planning Checklist
Start using this checklist for prospects and favourite clients
View Document
What Is an Emergency Fund and How to Build One?
Never has there been a better time to remind your clients of this strategy
View Document
Buying a Book
A refresher on the steps you must consider when buying a book
View Document
Understanding Your Options for Accessing Cash in a Life Policy  
Here are 3 options for accessing cash from a life policy
View Document
How Much Life Insurance is Enough?
A good way to ensure you are getting your clients just what they need
View Document
How the CPP Dropout Provisions Can Affect Your Entitlement
Every client would appreciate an update on anything CPP related
View Document
A Guide to Individual Benefits for the Newly Self-Employed
Clients that own their own business will appreciate this
View Document
3 Little Known Ways to Raise Money Savvy Kids
A great gift for all your clients with younger children
View Document
The Financial Challenges of Caring for an Aging Parent
Guide your clients and help prepare them and/their family with these simple tips
View Document
What the Dividend Option of Your Whole Life Policy Means
This topic can be confusing to the general public
View Document
Using Joint-Last-to Die Insurance to Protect Your Estate
Give your clients a heads up in terms of this option in tax savings and estate planning
View Document
Let’s Talk About Annuities
A 101 guide on annuities to keep your investors up to date
View Document
Corporate Life Insurance
Is this a better option that your clients should know about
View Document
Life Changes Your Advisor Should Know
A quick note to ensure you are up to date with your clients and their money is up to date with you
View Document
Funding a Buy/Sell Agreement with Life Insurance
3 methods when funding a buy/sell agreement with life insurance
View Document
Donating Life Insurance Policies
Donating a policy is a little known or talked about option, but it may be the perfect solution for some of your clients
View Document
Child Life Insurance Policies
Help your clients determine if this is an option they should consider for their children
View Document
Protecting Your Wealth with Insurance
Send this to clients concerned health-wise and its impact on their savings
View Document
Long Term Care Insurance, Explained
Educate your clients that may need to consider this option
View Document
Disability Buy/Sell: Protecting Your Family and Business
For the sake of your clients' business, it doesn’t matter ‘why’ the owner is unavailable; it matters more that the former partner or owner is unable to continue their contrib...
View Document
Long Term Care Insurance 101
Educate your clients regarding the reasons they should consider Long Term Care Insurance
View Document
Universal Life 101
Send this article to your clients that may need to know more on this topic
View Document
Mortgage Insurance 101
Educate your clients about Mortgage Insurance
View Document
Specialized Insurance, is it worth the trouble and expense?
Educate your clients regarding the pros and cons of the various types of insurance available
View Document
Caring for Loved Ones and Compassionate Care Benefits
Caring for a gravely ill family member is a difficult and emotional experience.
View Document
Caring for a Critically Ill Child
Understanding of your clients needs for those with children that need critical care
View Document
Critical Illness Insurance
Canadians concerned about the financial costs of major diseases are turning to Critical Illness Insurance
View Document
Key Person Insurance
Key Person Insurance is a risk management tool that helps to cover the loss of a valued contributor due to death or disability
View Document
Benefits of Group Benefits 2024
2024 Small businesses can struggle to attract and retain top-performers
View Document
Disability Insurance – The Basics
What you should know BEFORE you need to know it
View Document
Insurance and Retirement
Insurance can be a beneficial tool to both prepare for retirement and maintain financial health
View Document
Cash Flow Planning 101
The popular press talks about ‘what’ we should spend or save, but not ‘how’
View Document
Linking Powers of Attorney, Beneficiaries, Wills and Estates
here are two types of Powers-of-Attorney; personal care and financial matters. Whats the differenceÉ
View Document
Dealing with Dementia
Dealing with dementia with financial services and investment clients will become increasingly complicated over time. The number of people who are aging, the ever extending length ...
View Document

Taxes and Estate Planning

New CRA Filing and Disclosure Rules for Bare Trusts
Update your clients on this new rule
View Document
Taxes Preparedness List
A handout for any time of the year
View Document
A Brief Overview of IPP’s
Some of your clients may find this a more suitable investment based on their higher income
View Document
Strength in Numbers 2024
The most popular hand out you can give your clients this year
View Document
Establishing Your Legacy
Level up your clients' retirement legacy needs
View Document
Investment Income and Income Tax
Ensure that investors understand how their investments are being taxed
View Document
Retirement Income Strategies Sooner or Later, You’ll Take CPP
The pros and cons and when to take
View Document
The First Home Savings Account Has Arrived
Housing and anyway to money save at this time is always an important topic
View Document
Quick Facts about Buying Real Estate in the US
Pros and cons of buying US realty
View Document
The Multi-Generational Home Renovation Tax Credit
All of your clients should be aware of this topic
View Document
Taxes and Retirement 2024 Presentation
All presentations now free for ARG Members
View Document
A Step-by-Step Guide to Property Insurance Audit
A piece needed for any severe weather moment
View Document
3 Misconceptions About Estate Planning
A good post to keeping your clients level headed
View Document
Supplementing Your Retirement with A Reverse Mortgage
Due to the intricacies of this topic, make sure your clients know what to expect
View Document
How Investment Income Is Taxed
On updated topic that is now more important than ever
View Document
Capital Gains and Tax 101
Do your clients have a good understanding of this topic
View Document
Using Corporate Owned Life Insurance to Reduce Passive Income Taxation
With new regulations for business owners; show them you are right there with them with this article
View Document
Tax Loss Selling
December is the time of year to sell off some of the under-performing securities. 
View Document
How to Financially Prepare for Divorce
A timely update (unfortunately) for anyone in this situation
View Document
3 Tips for Staying on Top of Your Mortgage in Tough Times
If this advice was needed at any time, it is now
View Document
What A Liberal Minority Government Will Mean for the Markets and Canadian Investors
How does the recent election impact your clients
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Converting an RRSP to a RRIF
An update for our aging population
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5 Ways to Avoid Capital Gains Tax
Post these tips to assist your
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HOW TO UTILIZE TAX-FREE ANNUITY EXCHANGES TO YOUR FINANCIAL BENEFIT
Some good advice for certain clients in this bracket
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Estate Planning 101
Some more advice on this never-ending topic
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What To Expect When You Are Expecting
Educate your future parents on the overall costs and needs
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Tax Implications of Retiring Outside of Canada
Prepare clients looking to live outside of the country
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Should First Time Home Buyers Continue to Rent?
March 2021 Explain these options to your younger clients
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Owe More Taxes than You Can Pay? Here Are Your Options.
February 2021 Provide your clients the options if owing a lot of taxes
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Corporations and Taxation Across Canada
The update on the taxes for your clients that own businesses
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Client Assessment Tool
Use this tool to ascertain all of your client/prospect needs quickly and efficiently
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Realtors, Taxes and Retirement
August 2020 A new day and a new bill. More details will follow when released
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Tax Free Savings Accounts: Using 2021’s Contribution Limits
Nov 2020 Review and educate your clients on the current allowable investment that can be made in their TFSA.
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Creating and Maintaining an Estate Plan
An updated article on estate planning checklists
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What You Need to Know About Appointing a Power of Attorney for Your Finances
Clients should be aware of this updated topic
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Financial Planning Checklist
Start using this checklist for prospects and favourite clients
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Tax Gain Donating
Show your clients this option for saving tax
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Buying a Book
A refresher on the steps you must consider when buying a book
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Pay Your Fair Share to Canada Revnue
March 2020 Inform your clients about tax saving options
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Commuted Value Pension
Should your clients keep a portion of their pension or take the commuted value
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4 Tips for Preparing for The Upcoming Tax Year
Pass this along to help your clients prepate for tax time
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What You Need to Know About Giving a Living Inheritance
Should your clients be aware of this option
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How the CPP Dropout Provisions Can Affect Your Entitlement
Every client would appreciate an update on anything CPP related
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A Quick Guide to the CPP Survivors Benefit
August 2019 A more complicated issue your clients will appreciate a 101 on
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How to Start Drawing on Your Defined Contribution Pension Plan
May 2019 Educate a couple options for your clients in this regard
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Pets and Estate Planning
March 2019 People love their pets. Let them know how they can care for them past their time
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Estate Freezes 101
January 2019 A great 101 article for your clients that own businesses
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How RESP’s Fit into Your Estate Plan
Share this with your clients invested in their estate plan
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The Financial Challenges of Caring for an Aging Parent
Guide your clients and help prepare them and/their family with these simple tips
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Understanding the Lifetime Capital Gains Exemption
A quick 101 article to educate your clients regarding Capital Gains
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What the Dividend Option of Your Whole Life Policy Means
This topic can be confusing to the general public
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What Happens If You Die Without a Will?
Updated August 2020 --- Educate your clients about the importance of having an up to date will
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The Importance of Updating Your Affairs After Divorce
A quick checklist for any client going through a divorce
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Using Joint-Last-to Die Insurance to Protect Your Estate
Give your clients a heads up in terms of this option in tax savings and estate planning
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Strategies for Passing Down the Family Cottage
Don't let your clients burden their kids by thinking this is an easy arrangement
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How to Involve Your Family in Estate Planning
Reduce client stress by helping them get their family support in planning their estate
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Post-Death Decline in the Value of RRSP/RRIF’s
March 14 2018 --- A overview and case study explaining what your clients need to know on this sensitive topic
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Life Changes Your Advisor Should Know
A quick note to ensure you are up to date with your clients and their money is up to date with you
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The Duties of Being a Trustee
March 14 2018 --- A quick guide for any client taking the role of a trustee
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Establishing a Private Foundation
For your clients with a little extra that want to leave a name for themselves
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Where Will You Live in Retirement?
October 5 2017 --- Some people wait to long to plan out this important stage in their retirement
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Testamentary Trusts Protect Assets and Minimize Tax
Update your clients regarding the advantages of a Testamentary trust
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Saving for Retirement and the Home Buyers Plan
May 5 2017 --- Give your clients the option to do both when it comes to RRSPs and saving for a house!
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Estate Maximization Video
April 25, 2017 --- Review our newest video from our new 'explainer' video service
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Caring for Loved Ones and Compassionate Care Benefits
Caring for a gravely ill family member is a difficult and emotional experience.
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Retirement Compensation Arrangements and HNWs
HNWs may find RCAs a viable supplement to other savings vehicles
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Deducting Fees from Your Taxable Investment Income
Published: October 27, 2016 --- Provide your clients a quick 101 on how, when, and where they can deduct fees regarding taxable investment income
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Dementia and Powers of Attorney
Published: July 20, 2016 --- If you have any concern regarding your clients mental health, have this letter ready to go
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Second Opinion or Post Mortem: It is a choice for your retirement
Help your clients with an objective analysis of their progress, and that their existing portfolio for retirement
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Joint Ownership, Capital Gains and Income Tax
Cottage owners are looking for ways to avoid the tax that will be levied when their cottages transition
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Income Tax and Cottages
See the many different rules and regulations that have been put in place to lessen the potential for tax evasion
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Retirement – Ready or Not!
Retired or soon-to-be-retired Canadians checklist
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Estate Planning Checklist
Published: April 26, 2016 --- Download a simple checklist to use with your clients to ensure their estate planning is on track
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The Insanity of RRSP Season
January and February are always considered the most difficult periods for investors and their advisors. 
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Insurance and Retirement
Insurance can be a beneficial tool to both prepare for retirement and maintain financial health
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Final RRSP Contributions – the last chance to save some tax?
Do a little to save a lot, and your clients will be grateful.
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OAS and CPP update – When is the best time to take them?
Published: December 13 2017 --- With discounts and premiums based on the age Canadians start each of these pensions, when is the best time to start them
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What you Need to Know about the Pension Income Tax Credit
Published: February 11th, 2015 --- Many Canadians will agree: it is not always the amount of money you earn that counts but rather it is the amount of money you get to keep that is...
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Canada Pension Plan: Should you be Early, On-Time, or Late?
Published: October 30th, 2015 --- As with every financial decision, planning and analysis is required. Just like you wouldn’t finance a car purchase without understanding the tot...
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Offering Retirement Income Strategies
Many retirees admit that they could use professional financial advice to help them better understand the best approach
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Client Ready Reports and Workbook for Low Lifestyle Scores
A collection of tools and articles to level up your clients' retirement lifestyle needs
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Client Ready Reports and Workbook for Low Home Scores
A collection of tools and articles to level up your clients' retirement housing needs
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Client Ready Reports and Handbook For Low Health Scores
A collection of tools and articles to level up your clients' health needs
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Client ready report – You Need to Keep Busy
A collection of tools and articles to level up your clients' retirement hobby and exercise needs
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Promoting Your Blog – The Easy Way
Published: September 1-15, 2015. Exploring different ways of promoting you’re already existing blog. Creating the content for your blog is just the beginning. Use these easy t...
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Using Twitter to Generate New Leads
Published: June 2014. Exploring the benefits of using Twitter while offering you quick steps to enhance your marketing initiatives.
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Foreign Investment – Watch out at tax time
If your client directly owned foreign property (like US stocks traded on a US exchange) and its cost basis exceeded $100,000 CDN at any point during the year, then the T1135 must b...
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Business Owners and HNW

A Brief Overview of IPP’s
Some of your clients may find this a more suitable investment based on their higher income
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2023 Annual Investment Review
What happened last year
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Investment Income and Income Tax
Ensure that investors understand how their investments are being taxed
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Protect Your Clients Data
Implement the top tips listed below to secure your clients’ data
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Quick Facts about Buying Real Estate in the US
Pros and cons of buying US realty
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The Multi-Generational Home Renovation Tax Credit
All of your clients should be aware of this topic
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Executive Health Plans 101
Teach your business owning clients the ins and outs of this option
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What Does it Actually Mean to Diversify?
No better time then now for this topic
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The Corporate Retirement Strategy
Educate your business owners on this strategy for their retirement
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Market Volatility Communication Email
Markets behaving poorly? Download this document to have ready at your disposal when such issues occur
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Tax Matters for HNW
Tax implications that usually only affect the
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Protection for Investors and Depositors in Canada
Let your clients know you are on top of keeping their money safe
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Using Corporate Owned Life Insurance to Reduce Passive Income Taxation
With new regulations for business owners; show them you are right there with them with this article
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How To Attract and Maintain Talent for Your Business
Help your business owners find and maintain hires. It is not as easy as it once was
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Tax Loss Selling
December is the time of year to sell off some of the under-performing securities. 
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How To Protect Your Assets Against Inflation
Some basic tips for these changing times
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Snowbirds and U.S. Tax
Guidelines your clients should know that vacation down south
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Teaching the ABC’s of Financial Planning (updated September 2021)
All presentations are now free for ARG Members. Updated September
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SnowBirds and U.S. Tax Free Presentation
All presentations are now free for ARG Members.
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Understanding Employee Stock Options
For your clients that can offer or have been offered this option
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5 Ways to Avoid Capital Gains Tax
Post these tips to assist your
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Defined Contribution Pension Plans vs Group RRSP: A Guide for Business Owners
Updated information regarding this topic
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What Business Owners Need to Know About Health Spending Accounts
Business owners are busy enough therefore make sure they stay up to date in this quick format
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Corporations and Taxation Across Canada
The update on the taxes for your clients that own businesses
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What Investors Should Watch for…
A new president, open travel, and other factors that can impact your money
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What You Need to Know About Guaranteed Minimum Withdrawal Benefit Annuities
A good option to share with clients wanting secure retirement funds
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What the Big Banks are Saying About Economic Recovery
Provide your client with 3rd expertise during these times
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Client Assessment Tool
Use this tool to ascertain all of your client/prospect needs quickly and efficiently
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4 Signs You Are on Your Way to Financial Success
A quick 101 article for newer investors
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Everyone has a financial issue every 6 months
A best practice approach to getting HNW clients
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Creating and Maintaining an Estate Plan
An updated article on estate planning checklists
View Document
What You Need to Know About Appointing a Power of Attorney for Your Finances
Clients should be aware of this updated topic
View Document
Tax Gain Donating
Show your clients this option for saving tax
View Document
Buying a Book
A refresher on the steps you must consider when buying a book
View Document
Commuted Value Pension
Should your clients keep a portion of their pension or take the commuted value
View Document
Corporate Class Mutual Funds
Educate your clients on this topic as a viable option for tax planning
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What You Need to Know About Giving a Living Inheritance
Should your clients be aware of this option
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What is probate and How to Plan for it
Probate is the process of getting your will approved by the courts
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Understanding the Value of a Holding Company
Educate business owners and this potential advantage
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Are Trusts Still Worthwhile?
Since tax changes do trusts hold the same advantages they used to
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Why You Should Be Careful in Thinking Your House is an Investment
Ensure that your clients understand this concept
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Strategic vs Tactical Asset Management
Find out what kind of risk your clients will take
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4 Tips on How to Balance Financial Priorities
A quick list for your clients to consider
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What Is FAANG
Educate your clients regarding the future of tech
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5 Ways to Tackle Entrepreneurial Stress
A good piece of advice for your clients that run their own business
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Risky Business: Types of Investment Risk
Your clients will appreciate an upfront approach on this topic
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What to Know Before Taking Advantage of the Current Interest Rates
Educate your clients on the impact of this topic and how they can prepare
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Dividend Reinvestment Plans (DRIP’s)
Educate your clients about DRIPS. They will thank you for it
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Broker Vs. Fiduciary
Show your clients your willingness to provide 100% transparency in terms of your role
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Understanding the Lifetime Capital Gains Exemption
A quick 101 article to educate your clients regarding Capital Gains
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Hedge Funds
For your HNW clients looking to invest in Hedge Funds. Here is the 101 article
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5 Ways to Be Smart When the Markets Go Down
A handy post or email to help your clients ease through any downturn
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Getting Money from your Corporation
A recent update on the many options your clients can take money out of their business
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Business Owners . . . How You Should Pay Yourself?
Show your clients these options in terms of how they should pay themselves
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The Importance of Updating Your Affairs After Divorce
A quick checklist for any client going through a divorce
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Strategies for Passing Down the Family Cottage
Don't let your clients burden their kids by thinking this is an easy arrangement
View Document
Corporate Life Insurance
Is this a better option that your clients should know about
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How to Involve Your Family in Estate Planning
Reduce client stress by helping them get their family support in planning their estate
View Document
Salary Vs Dividends
Help your clients determine which payment method is right for them
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Life Changes Your Advisor Should Know
A quick note to ensure you are up to date with your clients and their money is up to date with you
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Funding a Buy/Sell Agreement with Life Insurance
3 methods when funding a buy/sell agreement with life insurance
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3 Things Business Owners Should Know About Buy-Sell Agreements
Prepare your clients that have their own businesses with these quick steps
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Spousal Loans
An option that some of your clients may be able to take advantage of in terms of income splitting
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Buying Canadian Property as a US Citizen
For your US clients looking for advice on buying property in Canada
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Establishing a Private Foundation
For your clients with a little extra that want to leave a name for themselves
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Protecting Your Wealth with Insurance
Send this to clients concerned health-wise and its impact on their savings
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Fund Management: Is Active or Passive Better for You?
A popular topic for clients that are always interested in learning more about their investment possibilities
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Using Benefits to Boost Business Owner Compensation
Any clients you have as a business owner will always appreciate new ideas
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Dollar Cost Averaging Can Reduce Risk and Purchase Price
Educate your clients about dollar cost averaging and the advantages it can bring
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Testamentary Trusts Protect Assets and Minimize Tax
Update your clients regarding the advantages of a Testamentary trust
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Exchange Traded Funds 101
Keep your clients and you up to date with this latest ETF
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Depositor and Investor Protection: Helping 2 Generations
Send this report to your clients that may be affected or concerned regarding this topic
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Disability Buy/Sell: Protecting Your Family and Business
For the sake of your clients' business, it doesn’t matter ‘why’ the owner is unavailable; it matters more that the former partner or owner is unable to continue their contrib...
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Income Brackets and Tax Rate Tools
Download, by province, the current breakdown of income brackets and tax rates
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You’ve had a windfall . . . now what?
Did your client inherit/win a large amount of money? Let them know you are there for them as there are many new and difficult decisions they need to make
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Business Owners and Investment
Educate how you can better support and deliver value to your clients who own their own business
View Document
Retirement Compensation Arrangements and HNWs
HNWs may find RCAs a viable supplement to other savings vehicles
View Document
Joint Ownership, Capital Gains and Income Tax
Cottage owners are looking for ways to avoid the tax that will be levied when their cottages transition
View Document
Income Tax and Cottages
See the many different rules and regulations that have been put in place to lessen the potential for tax evasion
View Document
Hold Cos and Family Trusts
The technical details and complexities of a Holding Company
View Document
To REIT or not to REIT
REITs are an alternative that presents many of the benefits of owning real estate with none of the risks of individual ownership
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Corporate Class Funds: The right choice for some investors
Corporate Class funds offer an additional tax management capability that regular funds do not. This is true for investments held outside of registered accounts.
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Physicians and Their Compensation
If you have doctors as clients and prospects you should understand the size of that niche and how their compensation might affect their investment
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Health Spending Accounts: For Your Clients Business
Health Spending Accounts are a good way to prove your expertise to business owners
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Cash Flow Planning 101
The popular press talks about ‘what’ we should spend or save, but not ‘how’
View Document
Offering Retirement Income Strategies
Many retirees admit that they could use professional financial advice to help them better understand the best approach
View Document
Foreign Content: What’s the right amount?
If the question is whether North American investors should invest overseas, then the answer is always “maybe”.
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Performance Indicators 101
Measuring your practice's performance in a balanced way
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The Value of Advice for Clients in the Medical Profession
The difference between $3 and $5 million can certainly be attributed to following a disciplined plan of regular decisions
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New: Presentations and Client Guides

Strength in Numbers 2024
The most popular hand out you can give your clients this year
View Document
Taxes and Retirement 2024 Presentation
All presentations now free for ARG Members
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Client Assessment Tools
Improve and quicken your process when meeting with clients for their annual review
View Document
Make it your own
The A to Z of everything your clients should know about financial planning
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Financial Planning Presentation for those with Children with Disabillities
All presentations now free for ARG Members
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Teaching the ABC’s of Financial Planning (updated September 2021)
All presentations are now free for ARG Members. Updated September
View Document
SnowBirds and U.S. Tax Free Presentation
All presentations are now free for ARG Members.
View Document

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