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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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    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

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 spotlight. … read more

May & June 2017 CLU Comment

We are pleased to provide you with the latest bimonthly Chartered Life Underwriter (CLU) Comment letter, number 303 for May & June 2017. This edition of Comment looks at four issues: prescribed interest rates, charitable donations, the changing face of Canada’s labour market, … read more

March & April 2017 CLU Comment

We are pleased to provide you with the latest bimonthly Chartered Life Underwriter (CLU) Comment letter, number 302 for March & April 2017. This edition of Comment looks at two issues: tax-free savings accounts: understanding contribution limits, and eight tips for saving on 2016 … read more

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Blog Entries

New mortgage rules requiring financial stress test for uninsured borrowers in 2018

  “Canada’s top banking regulator has published the final version of its new mortgage rules, which include a requirement to “stress test” borrowers with uninsured loans to ensure they could withstand higher interest rates,” wrote Pete Evans for CBC News … read more

Canadian retail workers could face new taxes on employee discounts

  “The national revenue minister says she is not looking to target the country’s retail workers, even after the Canada Revenue Agency (CRA) issued guidelines to business owners that could pave the way for new taxes on merchandise purchased with an employee discount,” … read more

Morneau receives earful from large critical crowd

  “Finance Minister Bill Morneau received an earful on the Liberals’ proposed tax changes and was often drowned out by a largely critical crowd during a town hall meeting in Oakville, Ont., on Friday morning,” wrote CBC News on September 29, 2017. CBC News … read more

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