• You need Flash player 8+ and JavaScript enabled to view this video.
    When properly structured, life insurance creates significant living benefits for a business owner and their family.
    Few products act as both a tax exempt wealth transfer vehicle and an asset class in Canada. Life insurance also provides a prompt source of liquidity protecting both your family and the business in a worst case scenario.
    Learn More.
  • You need Flash player 8+ and JavaScript enabled to view this video.
    Succession often poses a serious challenge for most business owners as different family members often have different wants and needs.
    There is usually agreement that the company produces the wealth. Life insurance provides a prompt source of tax-free cash when it is needed most. This buys the family the time to make the tough decisions.
    Learn More.
  • You need Flash player 8+ and JavaScript enabled to view this video.
    Tax planning provides significant opportunities for both the company and the family.
    Efficient tax planning provides more operating capital for the company as well as consumption capital for you and your family. It is important that a business owner understands the benefits of tax-exempt life insurance from a tax planning perspective.
    Learn More.
  • You need Flash player 8+ and JavaScript enabled to view this video.
    Estate planning is essential for any business owner where there are complex challenges and significant assets.
    Effective estate planning makes both the business and the family more tax efficient. Life insurance addresses many complex estate issues and allows for the efficient transfer of wealth from the company and its shareholders to the family.
    Learn More.
  • You need Flash player 8+ and JavaScript enabled to view this video.
    Multiple shareholders of a company often have a shareholders agreement. The critical consideration is not how shares will be purchased, but how the share purchase is funded. Even if surviving shareholders or the company has the cash on hand - life insurance is the most efficient funding mechanism due to the tax advantages.

    Learn More.

Credibility Habits

Show up on time.

Do what you say you’re going to do.

Finish what you start.

Treat people with respect.

Raymond's Latest Tweet

read more

Industry Articles

March & April 2018 CLU Comment

We are pleased to provide you with the latest bimonthly Chartered Life Underwriter (CLU) Comment letter, number 308 for March & April 2018. This edition of Comment looks at two issues: The New TOSI Rules: Complexity And Challenges, and Figure One – Factor … read more

January & February 2018 CLU Comment

We are pleased to provide you with the latest bimonthly Chartered Life Underwriter (CLU) Comment letter, number 307 for January & February 2018. This edition of Comment looks at three issues: Preparing for Tax Season, Clearance Certificates for an Estate, and Government Pension … read more

November & December 2017 CLU Comment

We are pleased to provide you with the latest bimonthly Chartered Life Underwriter (CLU) Comment letter, number 306 for November & December 2017. This edition of Comment looks at three issues: Tax-free Growth Worth Understanding, Tax Assessments and Reassessments, and Canada/Quebec Pension … read more

More Articles

Blog Entries

No reliable treatment for Lyme disease

  Mary Beth Pfeiffer, an investigative journalist from New York State, is author of Lyme: The First Epidemic of Climate Change. “Like soldiers in an advancing front, blacklegged ticks are today marching across Canada armed chiefly, but not solely, with … read more

Trump tax reform means thousands of Canadian residents are facing massive bills

  “Thousands of Canadian residents are facing massive tax bills because of U.S. President Donald Trump’s December tax reform, CBC News has learned,” wrote Elizabeth Thompson for CBC News on April 30, 2018. Thompson continued, “Canadian residents with U.S. or … read more

Average Canadian house price falls 10% in past year

  “The average price of a Canadian home sold last month was just over $491,000, a 10 per cent drop in the past year,” wrote Pete Evans for CBC News on April 13, 2018. Evans continued, “The Canadian Real Estate … read more

More Entries