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                  • RBC Dominion Securities Inc.
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                  • Home
                  • Who we are
                    • Our values
                    • Our principles
                    • Our team
                    • The strength of RBC
                  • Who we serve
                    • Our clients
                    • Their stories
                    • Testimonials
                    • Business owners
                    • Healthcare professionals
                    • Charitable giving
                  • How we help
                    • Our services
                    • Our process
                    • Your experience
                    • Insurance solutions
                    • FAQs
                  • Resources & Insights
                    • Our webcasts
                    • GIC & Mortgage Rates
                    • Commentary & Articles
                  • What's Your Retirement Number?
                  • Connect

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                  Personal Tax

                  2019 handy financial planning facts
                  2019 year-end tax planning
                  Planning strategies for couples
                  Income splitting and attribution rules
                  The spousal loan strategy
                  Leverage strategy: not for the faint of heart
                  Investing in real estate
                  Flow-through shares and limited partnership units
                  Mutual fund taxation
                  Alternative minimum tax (AMT)
                  Tax planning basics
                  Capital losses and tax-loss selling
                  Marriage breakdown tax and estate planning considerations 
                  Tax-free savings account
                  Comparing saving options
                  Tax-efficient asset location 
                  Tax-efficient investing
                  Pension plan options when you leave your employer 
                   

                  Corporate Tax

                  Income splitting through private corporations
                  Investment holding companies
                  Tax and estate planning for RBC executives
                  Taxation of employee stock options
                  Employee compensation – introduction to employee compensation
                  Passive investment income in a private corporation

                  Retirement Planning

                  Retirement checklist
                  The RRSP/RRIF meltdown strategy
                  RRSP deduction limit statement
                  To invest in an RRSP or not
                  Ten strategies to pay less tax in retirement 
                  Locked-in retirement plans
                  Part 1: Employer pension plans - Defined benefit plans
                  Part 2: Employer pension plans - Defined contribution plans
                  Part 3: Employer pension plans - Deferred profit sharing plans
                  Part 4: Employer pension plans - Group RRSPs
                  Individual pension plans 
                  Canada Pension plans
                  Old age security and other government income sources FAQ

                  Estate & Trusts

                  Estate freeze
                  Methods of transferring assets in your estate
                  Mind the gap – power of attorney (POA)
                  When should you review your will and estate plan?
                  Income taxes at death
                  Taxation of in-trust accounts
                  Testamentary trusts – a reason to consider amending your will
                  Henson trusts
                  Living and family trusts

                  Charitable Giving

                  Charitable donations
                  Charitable donations of securities
                  Donation of employee stock option shares

                  Contact information

                  Jeff Bernath

                  Senior Portfolio Manager & Wealth Advisor
                  jeff.bernath@rbc.com
                  Phone: 306-956-5229

                  Spencer Ewen

                  Associate Advisor
                  spencer.ewen@rbc.com
                  Phone: 306-956-5206
                  Cell: 306-850-5133

                  Andrea Bernath

                  Wealth Associate
                  andrea.bernath@rbc.com
                  Phone: 306-956-5228

                  Terry-Ann Wilson

                  Associate
                  terryann.wilson@rbc.com
                  Phone: 306-956-5247

                  Bernath Private Wealth
                  of RBC Dominion Securities Inc.

                  jeff.bernath@rbc.com
                  Phone: 306-956-5229
                  Fax: 306-956-5252
                  Toll-Free: 1-800-785-4722


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                  East Tower
                  Saskatoon, SK, S7K 5R5

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