Reblogged from Brintab This summer into fall, markets have been fixated on the economic “soft landing” narrative and the notion of rates being higher for longer. It is true that circumstances have made it tougher than in past cycles to…
Category: Tax
Commentary October 2023 – Ready for a Turn
Posted in Asset Allocation, Financial Planning, Investment, Risk Management, Tax, Uncategorized Tagged with: bonds, canadian dollar, canadian exchange rate, currencies, equities
Commentary April 2022 – Inflation Goes Into Overdrive
Reblogged from Brintab As the developed world navigated past the Omicron virus wave, various factors lengthened and/or accelerated the inflation we once hoped would be transitory. On the economic demand-growth side, various economies saw increased consumer activity, especially in leisure…
Posted in Asset Allocation, Financial Planning, Investment, Risk Management, Tax, Uncategorized Tagged with: bonds, canadian dollar, covid19, currencies, equities, exchange rate, pandemic, preferred bonds
Commentary January 2022 – Digesting Omicron and Persistent Inflation Impact
Reblogged from Brintab Commentary January 2022 – Digesting Omicron and Persistent Inflation Impact There were many winds washing through the markets in the months leading up to the New Year. Hence it was a tumultuous time. To name a few: The…
Posted in Financial Planning, Investment, Risk Management, Tax, Uncategorized Tagged with: bonds, canadian dollar, covid19, embridge, equities, exchange rate, fairfax financial, pandemic, preferred bonds
Commentary July 2021 – Assessing Economic Progress
Reblogged from Brintab.com With the gradual reopening of businesses post-Covid, we are seeing glimmers of hope regarding the economic recovery. Still, the pandemic created chaos that continues to settle out bit by bit. There were changed buying habits, pent up…
Posted in Financial Planning, Investment, Risk Management, Tax, Uncategorized Tagged with: bonds, canadian dollar, covid19, enbridge, equities, exchange rate, fairfax financial, pandemic, preferred bonds
Real Estate Capital Gains Tax: Budget 2017
What’s your game plan for winding down your Capital Gains tax liability? Yesterday Canada’s Finance Minister presented the government’s latest budget. there had been many fears about the potential increase of capital gains taxation. To do so would not only…
Posted in Estate Planning, Financial Planning, Investment, Risk Management, Tax, Uncategorized Tagged with: capital gains, condo, cottage, hobby farm, investing, investment, Real Estate, tax, taxation
Cumulative TFSA Contribution Limit
Even though the TFSA has now been available for several years, its potential is still untapped by many Canadians. We are now at the point where cumulative contributions can make a very meaningful component of a retirement strategy. Here are…
Posted in Estate Planning, Financial Planning, Investment, Tax Tagged with: contribution limit, over contribution, overcontribution, tax free savings account, TFSA
TFSA limit boosted – does it change your estate planning game plan?
In the just-released federal budget, the TFSA limit was increased from $5,500 to $10,000/person/year. The new $10,000 amount is not indexed so don’t expect it to rise annually. Does this impact your financial plans? Consider this: Historically spouses often held…
4 Ways High Earners Should Adjust for New Spousal Tax Laws
In recent months the Canadian government has mused about the potential for changes in the tax code so that Canadian couples can start filing their income tax returns jointly once the budget is balanced. Most people outside the financial planning…
Cars and Corporations
Many small business owners ask the perennial question of whether they should own their car within the corporation or personally. There are several factors that go into answering that question, such as: -how many kms will you drive in the…
Is 4% an Unsustainable Withdrawal Rate
Historically, 4% was thought to be the withdrawal rate the average portfolio could withstand on a long term basis without eating into capital. Recent research indicates that in today’s lower investment return environment, maybe that’s no longer sustainable. We all…