November 2025 Poll

Do you believe the November 4 Federal Budget addressed the key financial issues your clients need to see from their Finance Department and the CRA?

In a market where clients demand more from their advisors, the ability to provide specialized, high-level advice has never been more important. The Professional Practitioner Diploma (PPD) equips financial professionals with the advanced knowledge and credentials needed to differentiate themselves, build client trust, and compete effectively in a crowded financial services landscape.

At Acuity 2025, Larry Frostiak, FCPA, FCA, CFP, TEP, RWM™, FDFS™, will lead a session titled “Year-End Planning 2025: How Young Entrepreneurs Can Build Wealth Tax Efficiently,” focusing on strategies for Canada’s emerging business leaders. Young entrepreneurs often dream of independence, but unpredictable income, evolving tax rules, and the demands of balancing business growth with family can make building wealth seem daunting.

Did you know that 61% of Canadians are afraid of running out of money during retirement? According to a new CPP Investments survey, that fear is widespread. Yet surprisingly few people understand even the basics of public pension planning. For example, Canadians are not obliged to begin OAS or CPP at age 65. By delaying, they can significantly boost after-tax income and improve retirement security.

Businesses with revenue over the small supplier threshold ($30,000 in worldwide revenues over four consecutive calendar quarters) must register for, collect, and remit GST or, in participating provinces, HST. However, there are circumstances where a business may choose—or be required—to deregister. This article explains when and how deregistration happens, the consequences, and the steps involved.

Death and taxes. You know the saying. As tax professionals, it’s up to you to walk your clients through what can be a lengthy and emotional process. Your role in helping clients get the affairs of the deceased in order cannot be overstated. Over the coming weeks, we’ll look at some of the complexities that arise. Importantly, this is a conversation to have—if possible—before the death of a taxpayer.

As more Canadians pursue opportunities abroad—whether it’s purchasing a villa in Portugal, a beach house in Italy, or investment property in Israel or the U.S. - advisors are increasingly being called upon to manage the tax and compliance challenges that follow. Capital is mobile, but taxes are not, and the complexity of cross-border investment planning has never been greater. That’s why the CE Savvy Summit on September 17, 2025 will feature a timely session, The Globetrotting Investor, led by Dr. Dean Smith, PhD, CFP, TEP, CPA, CA, RWM™, FDFS™, to help advisors navigate these growing challenges with confidence.