https://youtu.be/LUQUsXe3UiU Dividends can feel like the “safe” way to retire. Your portfolio pays you, you don’t sell anything, and it all feels steady. But retirement plans don’t usually go sideways because someone picked the wrong ETF. They go sideways because the plan creates the wrong type of taxable income at the wrong time. Dividends and […]
Register Here We invite you to join our webinar: The Strategic Use of Trusts. Trusts are one of the most powerful and misunderstood tools in wealth planning. But many people aren’t sure when a trust actually makes sense, how they’re taxed, or what’s involved in setting one up. In this session, we’ll be joined by […]
https://youtu.be/QK95YgU8lMg 2026 brings a fresh set of updates to Canada’s main registered accounts. Some limits are increasing, others are staying put, and a few rules still work very differently than people assume. On their own, these changes can feel minor. But added together, they shape how you should think about saving, investing, and deciding where […]
Alfred Lam, MBA, CFA, Senior Vice-President & Chief Investment Officer, CI GAM | Multi-Asset Management Richard J. Wylie, MA, CFA, Vice-President, Investment Strategy, CI Assante Wealth Management Canadian housing issues remain Affordability requires sustained gains in housing starts The Canada Mortgage and Housing Corporation announced that housing starts jumped 10.9% to 282,439 units (seasonally adjusted annual rate – SAAR) […]
January was a positive start to 2026 for investors, particularly in Canada, with the S&P/TSX Composite Index closing at a record high on January 28th. However, a sharp reversal of gold and silver prices during the last two trading days of the month then knocked over 1,200 points off the index and erased most of […]
People often assume they can bequeath their assets to whichever person or organization they choose—but that isn’t always the case. In some circumstances, the courts may interfere with a person’s autonomy when leaving their wealth to an individual or charitable cause. Factors that may support a variance in estate distribution Support obligations In provinces and […]
Alfred Lam, MBA, CFA, Senior Vice-President & Chief Investment Officer, CI GAM | Multi-Asset Management Richard J. Wylie, MA, CFA, Vice-President, Investment Strategy, CI Assante Wealth Management 2025 was far from peaceful, marked by on-going war between Russia and Ukraine and trade wars initiated by America that disrupted countries, industries, and companies worldwide. After months of negotiations, several nations […]
Investment markets performed strongly in 2025, more so than many forecasters expected a year ago. Despite some significant bouts of volatility, the trend was steadily upwards for stocks, with most major North American indices hitting record highs late in December. Better-than-expected economic performance and solid corporate profits in the U.S., Europe, Japan, and Canada helped […]
If an individual loses the ability to manage their financial affairs, some people believe the spouse can simply take over. However, that’s only permitted if the spouse was named in a power of attorney document (mandate in Quebec). In a power of attorney, you appoint someone to manage your finances if you suffer a cognitive […]
Canada is the only G7 nation without an estate or inheritance tax, but the government still collects tax on Canadians’ estate assets, often at the top marginal rate. For example, assets in a Registered Retirement Savings Plan (RRSP) or Registered Retirement Income Fund (RRIF) are taxed as income on the final tax return. Also, 50% […]
