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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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    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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    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 & Founder
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    Raymond Matt, CFP, CLU, TEP, CHS, President and Founder
  • Aaron Ledlie, Vice-President & Partner
    Aaron Ledlie, Esq.
    Vice-President & Partner
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    Aaron Ledlie, Vice-President & Partner

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Industry Articles

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 Plan … read more

September & October 2017 CLU Comment

We are pleased to provide you with the latest bimonthly Chartered Life Underwriter (CLU) Comment letter, number 305 for September & October 2017. This edition of Comment looks at three issues: can a corporate-owned life insurance policy be paid as a dividend in-kind, … read more

July & August 2017 CLU Comment

We are pleased to provide you with the latest bimonthly Chartered Life Underwriter (CLU) Comment letter, number 304 for July & August 2017. This edition of Comment looks at two issues: charitable giving of corporate-owned life insurance, and joint tenancy in the … read more

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Blog Entries

Personality can influence the likelihood of dog bites

  “Having a nervous personality could boost your chances of being bitten by a dog,” wrote Kennedy Schmidt for CBC News on February 10, 2018. Schmidt continued, “Results from a recent survey compiled by the University of Liverpool show that those … read more

Canadian pot stock meltdown

  “Investors’ collective high over Canada’s burgeoning marijuana industry has evaporated, to be replaced by a comedown,” wrote Jen Skerritt for Bloomberg News published on The Globe and Mail on February 2, 2018. Skerritt continued, “Marijuana stocks tumbled Friday amid … read more

Rogers call centre employees pressured to upsell customers

  “Call centre employees working for Rogers Communications say the telecom company is pressuring them to try to make a sale on every call — even to elderly people who don’t understand or need certain products or services,” wrote Erica … read more

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