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    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.
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  • 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.
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  • 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.
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  • 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.
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  • 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.

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Credibility Habits

Show up on time.

Do what you say you’re going to do.

Finish what you start.

Treat people with respect.

  • Raymond Matt, CFP, CLU, TEP, CHS, President and Founder
    Raymond Matt, CFP, CLU, TEP, CHS
    President and Founder
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    Raymond Matt, CFP, CLU, TEP, CHS, President and Founder
  • Aaron Ledlie, Director of Client Development
    Aaron Ledlie
    Director of Client Development
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    Aaron Ledlie, Director of Client Development

Raymond's Latest Tweet

Oh ya, you do gain weight as you age; some won't like you. All facts of life. I just wish they leave our twitter accounts alone!

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Industry Articles

March & April 2012 CLU Comment

May 3, 2012

We are pleased to provide you with the latest bimonthly Chartered Life Underwriter (CLU) Comment letter, number 272 for March and April 2012. This issue deals with Personal Services Business Changes, Maximizing Old Age Security and Charitable Giving. Read Full … read more

January & February 2012 CLU Comment

March 8, 2012

We are pleased to provide you with the latest bimonthly Chartered Life Underwriter (CLU) Comment letter, number 271 for January and February 2012. This issue deals with Clarity of Intentions, Accounting for an Insurance Policy, More Opportunity to Save and Government … read more

November & December 2011 CLU Comment

January 4, 2012

We are pleased to provide you with the latest bimonthly Chartered Life Underwriter (CLU) Comment letter, number 270 for November and December 2011. This issue deals with Kiddie Tax Expands Its Reach, Business Investments Losses, Before the Tax Man Comes … read more

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Blog Entries

Change the Focus – Change the Outcome

May 17, 2012

I am fond of the notion that what we choose to focus on tends to get bigger.  I also try not to categorize news as good or bad, it’s just news.  There is certainly news I would prefer not to … read more

New Generation of Africans Quashing Old Stereotypes

May 10, 2012

North America and Europe may be reeling under the pressure of budget cuts, austerity measures, debt reduction, bailouts and job losses but there is one continent that appears to be rising amid the turmoil – Africa. African countries have without … read more

Sleep; the good habit

May 3, 2012

This week I arrived home from a trip abroad that involved a six hour time change, a ten and a half hour flight, and over twenty-four hours of being awake.  The time away from work gave me good reason to … read more

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