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Articles & Insights


Change in Capital Gains Treatment Thumbnail

Change in Capital Gains Treatment

For those not paying attention to the latest Federal Budget proposal, you will be disappointed to learn that the inclusion rate of a gain on an asset sale has risen from 50% to 66.67%. This isn’t the first time the inclusion rate has been changed, nor is it the highest rate.

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Group Insurance and Its Pitfalls Thumbnail

Group Insurance and Its Pitfalls

No matter how accurate your expenses are or how much you are able to save each month, without sufficient insurance coverage your financial health has a substantial element of risk. One of the main purposes of insurance is to provide financial security and risk mitigation to ensure that retirement funds are not utilized to cover medical expenses and loss of income during recovery or potential death.

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The Retirement Checklist

Many individuals wonder what they will need prior to going through a detailed financial analysis with our firm. It can vary based on a multitude of factors, however, there are some key figures that must be known prior to such an analysis.

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The Importance of Tracking Expenses Thumbnail

The Importance of Tracking Expenses

One of the main factors in a financial analysis and subsequent forecasts is expense levels. Successful sustainability of net worth to age 100 is achievable when expenses are covered by cashflows over the entire period - if you are not in tune with your monthly expenses, even having a discrepancy of $500/month could be detrimental to one’s financial success when it is projected over for 40+ years.

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Retirement Income Planning

After saving for countless years to build up a sizeable retirement fund, you are left with more questions than when you started. Do you start withdrawing from your RRIF in hopes of reducing your minimum withdrawals? What about your non-registered investments that are generating a possible tax liability each year? There are many different options for withdrawing your retirement income which can be correct depending on several variables.

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Are you ready for retirement? Thumbnail

Are you ready for retirement?

It is a well-known fact that we are currently experiencing a high inflationary environment, which puts a higher stress on cash flow needs. How accurate would you be if someone asked what your monthly expenses are?

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This publication contains opinions of the writer and may not reflect opinions of the Advisor and Manulife Wealth Inc. and/or Manulife Wealth Insurance Services Inc. (collectively, “Manulife Wealth"). The information contained herein was obtained from sources believed to be reliable. No representation, or warranty, express or implied, is made by the writer, Manulife Wealth or any other person as to its accuracy, completeness or correctness. This publication is not an offer to sell or a solicitation of an offer to buy any of the securities. The securities discussed in this publication may not be eligible for sale in some jurisdictions. If you are not a Canadian resident, this report should not have been delivered to you. This publication is not meant to provide legal, financial, tax or investment advice. As each situation is different, you should consult your own professional advisors for advice based on your specific circumstances.