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Retirement Income Layering

Here’s the tax secret: Income layering of all your income sources in retirement can help you get a better after-tax result, and help you preserve your capital for the future, too.

Effectively Dismantling your Lifetimes Accumulation

A recent presentation we provided for our clients on Effectively Dismantling your Lifetimes Accumulation – November 30, 2013

The discussion was how to effectively maintain your Government entitlements, such as Old Age Security and the Age Amount, while laying incomes from all sources in order to maximize the money available to spend, while reducing the stress for return on your investments.

Six Laws of a Long and Happy Life

Wondering if we’ll ever get summer this year? Here’s something to ponder if you’re stuck at the cottage in the rain. . .the six laws of a long and happy life. This, by default, means the need to avoid life’s sure end for as long as possible. How and why do people die in Canada? According to a study by Kathryn Wilkins for Statistics Canada entitled, “Predictors of Death in Seniors,”[1] there are some remarkable findings related to education, income and lifestyle:

Tax Efficiency Strategy: Earn More Tax Exempt Income

There are many sources of tax exempt income of which most people are unaware. Here’s the tax secret… As a general rule, exempt income sources are not entered on the Canadian tax return at all. If you reported these amounts in error, you may contact the tax department to have them removed. The most common types of exempt income are the following…