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All items tagged with: Retirement and Estate Services Specialist

Mortgage Stress Test: Benefits to Canadian Debt Management

Posted: July 10, 2018 By : Knowledge Bureau Staff Writers
Posted in: Strategic Thinking , Debt Management, Real Wealth Management, Financial Literacy, Financial Advisor, investment, knowledge bureau, interest rates, Evelyn Jacks, real estate, master financial advisor, retirement income, financial education, mortgage stress test, mortgage lenders, Retirement and Estate Services Specialist, holistic wealth management, Canadian debt levels, debt to income ratio, qualifying for a mortgage, wealth building, Tax Strategies for Investors

In January, a new mortgage stress test was put in place requiring Canadian home buyers to qualify at rates higher than the benchmark interest rates imposed by the Bank of Canada and individual lenders. The implications to Canadian debt levels and the housing market are factors advisors should consider when offering holistic advice to clients.

Retirement Planning: Four Tax-Efficient Income Options

Posted: April 16, 2018 By: Evelyn Jacks
Posted in: Strategic Thinking , Financial Literacy, Estate Planning, knowledge bureau, Evelyn Jacks, retirement planning, tax efficient retirement income planning, tax courses, individual pension plan, Registered Disability Savings Plan, retirement income, pooled retirement pension plan, financial education, retirement benefits, online education, online campus, Baby Boomer, foreign pension, Retirement and Estate Services Specialist

Have you explored all of the tax-efficient income options available to generate consistent income that will provide for your retirement needs and wants? If you’re a Boomer challenged to find tax-efficient options, discuss these four alternative sources with your tax advisor today.

Before You Leave Tax Season: Check out the New CPP Costs for 2019

Posted: April 16, 2018 By: Walter Harder
Posted in: Strategic Thinking , Financial Literacy, Estate Planning, knowledge bureau, Evelyn Jacks, retirement planning, tax efficient retirement income planning, tax courses, individual pension plan, Registered Disability Savings Plan, retirement income, pooled retirement pension plan, financial education, retirement benefits, online education, online campus, Baby Boomer, foreign pension, Retirement and Estate Services Specialist

If you’re a pre-retiree, don’t put your tax affairs to bed yet—especially if you plan to apply for CPP benefits in the near future! Starting January 1, 2019, there will be many changes to the rules. Here’s what you need to know.