Category: Tax

Commentary October 2024 – Wobbling Toward a Cooler Economy

Reblogged from Brintab   In the July letter I noted that the transition of economic cycles between growth and recession is rarely a smooth path and that was evident that last month.  Note that I am often primarily referring to

Posted in Financial Planning, Investment, Risk Management, Tax, Uncategorized Tagged with: , , ,

Commentary April 2024 – Getting through Indigestion

Reblogged from Brintab   This winter we witnessed coping with foggy economic conditions in various parts of the world, from China to the Middle East, Ukraine, and North America.  Not to say things were dire per se, but we waited

Posted in Asset Allocation, Financial Planning, Investment, Risk Management, Tax, Uncategorized Tagged with: , , ,

Commentary October 2023 – Ready for a Turn

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

Posted in Asset Allocation, Financial Planning, Investment, Risk Management, Tax, Uncategorized Tagged with: , , , ,

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: , , , , , , ,

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: , , , , , , , ,

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: , , , , , , , ,

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: , , , , , , , ,

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

Posted in Estate Planning, Financial Planning, Tax

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

Posted in All Archives, Financial Planning, Tax

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

Posted in Financial Planning, Risk Management, Tax

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

Posted in Financial Planning, Investment, Tax