Manulife Financial Your situation You need permanent life insurance protection and you also want to accumulate wealth through your investments. Your investment portfolio may include stocks, bonds, mutual funds, segregated funds, private company shares or GICs. An option to consider – the Immediate Finance Arrangement…
Manulife Financial Your situation You have savings or extra income that you do not need for lifestyle purposes. You invest the cash in GICs or other taxable investments and earmark these investments for your heirs or favourite charity. You want a financial planning strategy that will increase the funds available…
by Michael Bronstine Your situation You have reached a level of financial success that has allowed you to accumulate more wealth than you’ll need in your lifetime. You would like to transfer a portion of this wealth to your heirs without having to pay a…
Often, they are too busy looking after customers, suppliers, shareholders, partners, employees, bankers, family, and others leaving no time to properly look after their personal planning. They have no will, an improperly drafted will, or an out of date will. They have no partnership agreement,…
By Michael Bronstine Most investors do not build their portfolio around individual holdings as that can be a risky investment strategy due to a lack of diversification. Instead, many investors build their portfolio around a selection of investment funds. Mutual funds and Exchange Traded Funds…
Michael Bronstine June 2023 Strategies to transfer wealth to the next generations. Many Canadians might be happy to save just enough money to pay for their retirement and leave something for their children. A growing number of Canadians, especially wealthy ones, may want their money…
Michael Bronstine With the Insured Annuity, not only can you immediately increase your income, but it is guaranteed for the rest of your life. The Insured Annuity can significantly enhance the net income you can otherwise earn in fixed income investments, such as money market, GICs,…
Michael Bronstine Act as a barrier between their clients and their client’s own behavior and investment mistakes These mistakes can come in many different forms. They may be small mistakes that go unnoticed or ones that you look back on as the “Big Mistake”. The…
Michael Bronstine In a previous article, we discussed Corporate-Owned Life Insurance (“COLI”) and how it can benefit your business and enhance your estate. Overall, life insurance, particularly in the corporate sense, is a valuable asset and in the right circumstances, there are many benefits to owning it….
Michael Bronstine April 2023 How do you get from where you are today, to where you want to be with your estate planning? Your family will have enough to deal with on your passing and the foresight to plan will provide much-needed relief during a…