Welcome to our complete library of wealth management resources. The items indexed below are designed to provide a general overview of issues that impact our clients and provide a starting point for further discussion and advice. There is much here because there is much to think about.

Click here to schedule an appointment or telephone call if you have questions about the items below.

Financial Planning

Your financial to-do list
2024 handy financial planning facts
Retirement Checklist
2024 early tax tips
2024 financial planning strategies for seniors
Comparing saving options
Family wealth management - Ten Strategies to build and protect your family's wealth
Receiving a significant cash inflow
Wealth planning strategies during a market downturn

Personal Tax

Tax Rate Tables
Tax planning basics
Early 2024 tax tips
2023 tax preparation reminders
2023 year-end tax planning
Tax planning checklist for high-income earners
Tax planning checklist for the owner-manager
Tax planning checklist for students
Ten strategies to pay less tax in retirement
Tax planning calendar
Capital losses and tax loss selling
Income splitting checklist
Pension income splitting
Income splitting and the attribution rules
Income from joint accounts held between spouses
The spousal loan strategy
Income splitting using a prescribed rate loan
Modifying a prescribed rate loan
Prescribed rate loan annual interest payments due by January 30th
Transferring future growth of a security to a spouse
Transferring capital losses to your spouse
Buying non-income producing assets from your spouse
Separating a joint account between you and your spouse
Tax carryforwards and carrybacks checklist
Pension income tax credit
Claiming losses on worthless securities
Foreign currency tax reporting
Quarterly tax installments
Taxation of employee stock options
What to do with your tax refund
Foreign Income Verification Statement - Form T1135
Capital gains reserve
Managing the tax impact of realizing significant capital gains in 2024
Alternative minimum tax

Investment Taxation

Tax-efficient investing
Tax-efficient asset location
Transferring future growth of a security to your spouse
Borrowing to invest - When is interest tax-deductible?
Managing the tax impact of diversifying
Canadians investing in publicly traded U.S. securities
Canadian non-resident withholding tax
Return of capital
Tax treatment of in-kind asset transfers
Tax and wealth planning considerations when paying investment management fees
Calculating your adjusted cost base
Capital losses and tax loss selling
Superficial loss rules
Bond taxation
Dividend Income
Discount instruments
Foreign withholding tax on dividends from foreign equities and American depository receipts (ADR)
Foreign spin-offs
Taxation of options transactions
Taxation of equity-linked notes
Capital gains reserve

Investment Vehicles

Year-end mutual fund purchases
Flow-through shares and limited partnership units
Real return bonds

Real Estate

Saving for the purchase of your home
Principal residence
Home buyers' plan
Investing in real estate
Helping your child buy their first home
Tax-free first home savings account (FHSA)

Debt and Leverage

Debt swap and debt conversion strategies
The cash damming strategy - Reduce your taxes by restructuring debt
Borrowing to invest - When is interest tax-deductible?
Interest deductibility when swapping your principal residence and rental property
Borrowing using joint lines of credit
Business owners borrowing to invest
Leverage strategy: not for the faint of heart

Employment - Compensation

Employee compensation - introduction to employee compensation
Employee compensation - base salary
Employee compensation - bonus
Employee compensation - employee share purchase plans
Employee compensation - fringe benefits
Employee compensation - deferred share units
Employee compensation - restricted share awards
Employee compensation - restricted and performance share units
Employee compensation - employee loans
Taxation of employee stock options
Reducing payroll tax deductions
Tax and estate planning for RBC executives

Employment - Pensions

Defined contribution pension plans
Deferred profit sharing plans
Group registered retirement savings plan
Defined benefit pension plans
Pension income splitting
Purchasing past service from your defined benefit pension plan
Pension adjustment reversal
Retirement compensation arrangement
Pension plan options when you leave your employer

Employment - Departure

Pension plan options when you leave your employer
Salary continuance and company benefits when you leave your employer
Retiring allowances

Professionals

Incorporate or not?
Professional corporations
Individual Pension Plans

Business Owners - Structure and Tax

Features of different business structures
To incorporate or not
Investment holding companies
Passive investment income in a private corporation
Decision tree for addressing surplus cash in a corporation
Taxation of business income in a corporation
Taxation of investment income in a corporation
Transferring securities in a loss position to and from your corporation
Withdrawing surplus cash from a corporation
Retirement and estate solutions using surplus cash in a corporation
Individual Pension Plans
Income splitting through private corporations
Tax-deferred rollover under subsection 85(1) - Joint tax election

Business Owners - Succession Planning

Intergenerational business transfers
Preparing your operating company for future sale - Part 1
Planning the sale of your business - Part 2
Year of sale of your business - Part 3
Year after the sale of your business - Part 4
Selling your business checklist
Estate freeze
Capital gains exemption on private shares
Buy-sell agreements

RRSP and RRIF

Registered retirement savings plans (RRSP)
To invest in an RRSP or not
Spousal RRSP and RRIF
RRSP deduction limit and available contribution room statement
RRSP Over-contributions
Transferring a bonus to your RRSP without withholding tax
Creditor Protection of RRSPs and RRIFs
Borrowing to contribute to your RRSP
Home buyers' plan
Registered retirement savings plan (RRSP) maturity options
Create RRSP contribution room for a minor
RRSP strategies at age 71
RRIF payments and withdrawals
RRIF minimums (Appendix 1)
Estate planning for your RRSP/RRIF
Transferring a foreign-based pension plan to your RRSP or RRIF
Transferring a U.S. retirement plan to your RRSP or RRIF
The RRSP/RRIF meltdown strategy

Locked In Plans

Locked-in retirement plans
Gradually unlocking your life income fund (LIF)
2024 - Locked-in maturity options by province
2024 - Registered plan minimums and maximums
2024 - Special withdrawals from locked-in plans by province

Tax Free Savings Account

Tax-Free Savings Account TFSA
Strategies to incorporate the TFSA into your financial plan
Estate planning for your TFSA
TFSA over-contributions

Education

Tax planning checklist for students
Establishing an RESP
Withdrawing from an RESP
Lifelong Learning Plan

Government Benefits

Old Age Security and other government income sources
CPP retirement pension sharing
Canada Pension Plan
QPP retirement pension sharing
Quebec Pension Plan

Disability

Estate planning for beneficiaries with disabilities
Tax planning for persons with disabilities
Registered disability savings plan (RDSP)
Henson trusts

Cross border - Moving and Travel

U.S. Residency - Canadians travelling to the U.S.
Moving to Canada
Moving to Canada from the U.S.
Moving to Canada with a U.S. Roth IRA
Unwinding the deemed disposition for returning Canadian residents
Transferring a foreign pension plan to your RRSP or RRIF
Transferring a U.S. retirement plan to your RRSP or RRIF
Moving from Canada
Moving from Canada to the U.S.
Determining your tax residency status in Canada
Signing bonus planning for Canadian and U.S. professional athletes
Financial planning and tax planning for a professional athlete who plays for a Canadian or U.S. based sports team

Cross Border - U.S. Tax and Estate Planning

U.S. tax exposure: broader than you can imagine
U.S. Residency - Canadians traveling to the U.S.
Are you a U.S. person living in Canada?
Ownership of a Canadian home or vacation property by U.S. person living in Canada
Taxation of Canadian registered savings plans for U.S. persons
U.S. Income tax and other filing requirements for U.S. persons living in Canada
Passive foreign investment company (PFIC) Rules
Alter ego and joint partner trusts and U.S. persons
U.S. foreign trust rules for Canadian trusts
Estate planning for U.S. transfer taxes
Are you thinking of leaving the U.S. tax system?
Canadian owners renting or selling U.S. real estate
U.S. estate tax: Canadians owning U.S. real estate
U.S. estate tax for Canadians: Non-recourse mortgage strategy
U.S. estate tax for Canadians
U.S. estate tax - strategies for Canadians with exposure
U.S. estate, gift and generation-skipping transfer tax (GSTT)
U.S. revocable living trusts for Canadian residents

Estate Planning

When should you review your Will and Estate plan
The financial impacts of losing a spouse
Estate planning for blended families
Power of Attorney for Financial and Property matters - Common-law Provinces only
Succession planning for your Canadian vacation property
Multiple Wills
Non-resident executors (liquidators in Quebec)
Joint ownership accounts - RBC Dominion Securities
Insurance trusts for estate planning
Estate planning for your RRSP/RRIF
Estate planning for your TFSA

Estate Settlement

Executor kit for settling an estate
Income taxes at death
Agent for executor

Family Structure and Transition

A guide to family meetings - Five strategies to help make family meetings an effective tool in wealth transfer planning
Planning considerations when entering a new relationship
Financial and legal considerations on relationship breakdown
Attribution rules on relationship breakdown

Trusts and In-Trusts

Living / family trusts
Changes to trust reporting requirements
Family trust: Key dates to remember
Trustee investment powers
Taxation of in-trust accounts
Alter ego and joint partner trusts
Testamentary trusts
Testamentary spousal trusts
Using a family trust for a prescribed rate loan
Insurance trusts for estate planning
RBC DS Declaration of Trust accounts (for common law jurisdictions)
RBC DS Trust Agreement

Charitable Giving

Introduction to charitable giving
Charitable donations
Leaving a legacy
Creating a lasting impact
Charitable donations of securities
Donation of publicly listed employee stock option shares
Donating flow-through investments
Charitable donations through your corporation
Formalized donation options
How alternative minimum tax (AMT) could affect your charitable giving
The disbursement quota - What is it, and what are the recent changes?
Different ways to give back to community
Maximizing impact: Exploring the "five Ts" of charitable giving
Donations of art: What to consider when planning for your collection
Unrestricted versus restricted donations
Considering a donation? Why charity overhead costs shouldn't be the sole measure in your decision-making

Health Care Professionals

Wealth planning for health-care professionals - The early years
Wealth planning for health-care professionals - Starting out on your own
Wealth planning for health-care professionals - The peak earning years
Wealth planning for health-care professionals - Preparing for retirement
Individual Pension Plans

Business Owners - Farming

Incorporating your farm
Transferring your farm to the family
Selling the farm and the lifetime capital gains exemption
The family farm and Will planning