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Client Quarterly Newsletter

Through this newsletter, we hope to show how investors seeking financial security have been able to find it with us, no matter how turbulant the times in which we live.

• Business Succession, IPP and Risk Management
• Planning Health Care Decisions
• Retirement, Self Education, and Reinventing Yourself
• Health Care Expense Options
• Individual Pension Plan (IPP)
• When an Insured Annuity is your best Choice
• Insurance and the Financial Plan
• The Retirement Decision

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CLU Comment

The Comment, supplied by the CLU (Chartered Life Underwriter of Canada), offers a more detailed and technical view dealing with insurance, taxes, and estate planning.

• Disposition Of A Life Insurance Policy, Charitable Gifting Of Life Insurance Policies, Income Splitting
  May-Jun 10
• Creditor Life Insurance, Rollover of an RRSP or RRIF to an RDSP, Wills, CPP & OAS Benefit Amounts
  Mar-Apr 10
• Corporate-Owned Life Insurance, Trusts: Beware Of Audit Potential, Transferring a Life Insurance Policy, Tax-Deductible Expenses
  Jan-Feb 10
• Life Insurance Policy Transfers, Freeze Share Valuation, and The Strategy of An Estate Plan
  Nov-Dec 09
  
• Taxation Of Dividends, Planning Considerations For Students, Refund Of Premiums, A Look At Canadian Spending And Income Patterns
  Sep-Oct 09
• Creating Long-Term Security, Proposed Changes to the CPP, Income Splitting with Children
  Jul-Aug 09
• Planning In A Down Market, Proposed Lifetime Benefit Trust, and Addressing Permanent Life Insurance Needs
  Jun-Jul 09
• Government Pension Plans: Benefits And Contributions For 2009
  Mar-Apr 09
• New RRIF Rules & TFSA
  Jan-Feb 09
• Charitable Donation That Offers Double Dip, RRSP Maturity Options
  Nov-Dec 08
  
• Double Taxation and Income Splitting
  Sep-Oct 08
• Joint & Several Liability, Capital Gains Deduction for Small Corporations
  Jul-Aug 08
• Asset Proection, Principle Residence Traps & the Home Office
  May-Jun 08
• Government Benefits for 2008, Pension Income Splitting & the Tax Free Savings Account
  Mar-Apr 08
• Spousal RRSP's & Interest Deductibility
  Jan-Feb 08
  
• Shareholders Agreements
  Nov-Dec 07
• New RRIF Rules, Beneficiary Designation & Principle Residence Designation
  Sep-Oct 07
• Joint Accounts & Pension Splitting
  Jul-Aug-07
• Interest Deductibility, 2007 Budget & the Alter Ego Trust
  May-Jun-07
• More than one spouse, Transfer corporate owned insurance and Corporate attribution
  Mar-Apr-07
• Insurance Trust, Tax Credits
  Jan-Feb-07
• Definition of a Common Law Partner, Pension Income Credit & Pension Income
  Nov-Dec-06
  
• New Dividend Regime, Gifting Shares, Planning for Education
  Sep-Oct-06
• Common-Law Partners
  July-Aug-06 Issue
• Corporate vs.. Personally Owned Insurance
  May-Jun-06 Issue
• Collateral Insurance and the Insured Annuity Strategy
  Mar-Apr-06 Issue
• Transferring a Policy & Executor Checklist
  Jan-Feb-06 Issue
• Family Cottage, Investing Via Holding Company, Small Business Deduction
  Nov-Dec-05 Issue
• When There is More Than One Option
  Sep-Oct-05 Issue
• Capital Gains Reserve
  Jul-Aug-05 Issue
• Will Wording and the Insured Redemption Strategy
  May-Jun-05 Issue
• Reversionary Trusts and Government Benefits
  Mar-Apr-05 Issue
• Corporate Attribution, Critical Illness & Buy-Sell Agreement
  Jan-Feb-05 Issue
• Policy loans, The Capital Dividend Account
  Nov-Dec-04 Issue
• Creditor Protection for RRSPs and Capital Dividends
  Sep-Oct-04 Issue
• Rights or Things and Collateral Insurance
  Jul-Aug-04 Issue
• Principle Residence Exemption Choices and Will Planning
  May-Jun-04 Issue
• The "Art Flip" is Dead
  Mar-Apr-04 Issue
• Interest & Other Expenses and Reasonable Expectation of Profit
  Jan-Feb-04 Issue
• Insured Gift Planning & Collateral Insurance
  Nov-Dec-03 Issue
• The Hazards of Joint Tenancy
  Sep-Oct-03 Issue
• Selling the Family Business
  Jul-Aug-03 Issue
• Valuing A Corporate-Owned Annuity
  May-Jun-03 Issue
• Filing Your Income Tax Return
  Mar-Apr-03 Issue
• Taxation of Segregated Fund Policy Guarantees
  Jan-Feb-03 Issue
• Approaching Year-End
  Nov-Dec-02 Issue
• Going Public
  Sep-Oct-02 Issue
• Loans to Employees
  Jul-Aug-02 Issue
• Income Splitting Opportunity
  May-Jun-02 Issue
• Foreign Property Held Within Deferred Income Plans
  Mar-Apr-02 Issue
• Assigning CPP Retirement Benefits
  Jan-Feb-02 Issue
• Deducting PHSP Premiums
  Nov-Dec-01 Issue
• Joint & Several Liability
  Sep-Oct-01 Issue
• Can You Wear Two Hats?
  Jul-Aug-01 Issue
• Insured Redemption Strategy - Revisited
  May-Jun-01 Issue
• Split Dollar Life Insurance: It's a Question of Fact
  Mar-Apr-01 Issue
• Insurable Earnings for Family Members
  Jan-Feb-01 Issue

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