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Funding Business Buy-Sell Agreements with Insurance

Funding Business Buy-Sell Agreements with Insurance

In order to ensure the orderly succession of a business, it is wise for business owners (whether they are incorporated or not) to enter into a buy-sell agreement. The buy-sell agreement creates the conditions for purchase due to an unexpected event to one or more of...

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What should I look for in a disability policy?

What should I look for in a disability policy?

There are many features of a disability insurance policy and they are all important. However, not every disability policy is the same and not every policy has the same features. Whether you are looking for disability insurance for a small...

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Protecting your Child’s Money with In-trust Accounts

Protecting your Child’s Money with In-trust Accounts

Parents and other relatives frequently use in-trust accounts to save money for a child that will be given to them when they reach the age of majority.  These trusts are a convenient way for parents and grandparents to set aside funds for minor children, allowing...

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Disability insurance for the small business owners

Disability insurance for the small business owners

Did you know that there is a one-in-three chance of being disabled for a period of at least 90 days before age 65[1]? That's eight times the risk of premature death. The statistics also include disability leave as a result of mental health issues: As a business owner,...

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War in Ukraine: How markets respond to acts of war

War in Ukraine: How markets respond to acts of war

After several weeks of escalating tensions, on February 21, 2022 Russia announced that it would recognize two pro-Moscow areas of Ukraine – Donetsk and Lukansk – as independent states [1]. Russia then quickly moved troops into these two areas. Investors,...

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Why your business should have an advisory board

Why your business should have an advisory board

Often, business owners trust their instincts when making business decisions and sometimes they are right, other times, it lies with a vengeance.  Imagine having a circle of trusted professionals you can call on when you have a question or need advice for your...

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Succession planning and the IPP

Canada’s economic prosperity has been built by the ingenuity of its entrepreneurs and their families, who create and grow their business and employ millions of Canadians. Whether it be a corner store, restaurant, a potato farm, or a brewery; the family business...

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To raise or not to raise

To raise or not to raise

One may not think this to be a deep and philosophical question, but it is one that burrows deep in the minds of many employers.  Small business owners want to offer benefits, but it is often overlooked in favour of raises with the assumption that it makes...

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What are the next big Investment opportunities?

What are the next big Investment opportunities?

There is a lot going on in the markets between social media, Reddit, the rise of the DIY investor, hedge funds, the battle, etc. Many people have a FOMO (fear of missing out) which is often counterbalanced with FOL (the fear of losing). It is said that John D....

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Mortgages for the self employed

Over 15% of Canadians are self-employed; many of whom are homeowners or would-be homeowners in need of mortgage financing. There are many advantages to being in business for yourself including the expenses you claim or write-off. While this may be a great tax-saving...

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Digital afterlife, the ghosts of cyberspace

Digital afterlife, the ghosts of cyberspace

Your spouse, significant other, child, or someone you love, or even business partner passes away suddenly, the last thing we think of is what will happen to their digital assets, which are more than just Facebook or an Apple iCloud account. The issue is that many of...

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Virtual watercooler

Virtual watercooler

I’m writing this from the makeshift quarantine bunker in what used to be our spare bedroom — sweatpants on, snacking my way through my emergency rations, with my cat and dogs fighting each other in the background.  I’m lucky that I could easily transition to...

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Legal fees: what’s deductible and when?

Legal fees: what’s deductible and when?

For most Canadians, having to pay for legal services is an infrequent occurrence, and most Canadians would like to keep it that way. In many instances, the need to seek out and obtain legal services (and to pay for them) is associated with life’s more unwelcome...

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