Insured Retirement Plans (IRP)

One of the most utilized tools in funding an estate plan is term or permanent life insurance. The IRP is a financial planning strategy that uses life insurance to build your wealth for retirement with the following benefits: A solution to current and...

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...

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...

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...