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Author: Ryan Douglas

31 posts, 0 comments

Comparing TFSA’s and RRSP’s – 2019

February 1, 2019Blog, Family, Individuals, Investment, Retirees, RRSP, Tax, Tax Free Savings AccountRyan Douglas

If you are seeking ways to save in the most tax-efficient manner available, TFSAs and RRSPs can both be effective options for you to achieve your savings goals more quickly. However, each plan does have distinct differences and advantages / disadvantages. Let’s take a look at their key features

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2019 Financial Calendar

January 1, 2019Blog, Business Owners, corporate, Individuals, Investment, RRSP, Tax, Tax Free Savings AccountRyan Douglas

Financial Calendar for 2019- All the deadlines you need to know to maximize your benefits!

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Tax Planning Tips for End of 2018

November 30, 2018Blog, Estate Planning, Family, Individuals, pension plan, Retirees, RRSPRyan Douglas

Now that we are nearing year end, it’s a good time to review your finances. 2018 saw a number of major changes to tax legislation come in force and more will apply in 2019, therefore you should consider available opportunities and planning strategies prior to year-end.

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Why You Should Consider Critical Illness Insurance

November 1, 2018Blog, Critical Illnesscancer, critical illness, heart attack, Insurance, lump sum benefit, strokeRyan Douglas

There are no perfect answers in the area of your personal finances, but if you are looking for an option that has the potential to offer you a real sense of peace of mind to secure the financial future of you and your family, critical illness insurance is certainly an interesting avenue to explore.

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Life Insurance and the Capital Dividend Account

October 1, 2018Blog, Business Owners, corporateCapital dividend accountRyan Douglas

Many business owners are unaware that corporate owned life insurance combined with the Capital Dividend Account (CDA) provides an opportunity to distribute corporate surplus on the death of a shareholder to the surviving shareholders or family members tax-free.

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Easy Exit: Business Succession in a Nutshell

September 1, 2018Blog, Business Owners, Business Succession, buy sellbusiness owners, business succession, Key personRyan Douglas

Getting into the world of business is a meticulous task, but so is getting out of it Whether you’ve just hit the ground running on your business or if you’ve been at it for a long time, there is no better time to plan your exit strategy than now.

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Leaving a legacy

August 3, 2018Blog, Charitable Gifting, Estate Planning, Family, IndividualsRyan Douglas

There are so many options designed to help you to use a portion of your estate to benefit a good cause when you pass away. The estate planning process helps you to ensure that your estate is distributed as per your wishes and in the most tax efficient way as possible, but legacy planning goes further than this and aims to involve your family and loved ones in your plans to make a difference according to your personal values. The input of your family in this process should not be underestimated – they play a critical part in supporting the process to make your wishes become reality, so be sure to share your thoughts and intentions with them in good time.

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British Columbia Training and Education Savings Grant Information

July 19, 2018BlogEducation, GrantRyan Douglas

Families in British Columbia are encouraged to start planning and saving early for their children’s post-secondary education or training programs. To help, the B.C. Government will contribute $1,200 to eligible children through the B.C. Training and Education Savings Grant (BCTESG).

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Why provide an employee benefits plan?

July 1, 2018Blog, Business Owners, corporate, dental benefits, Group Benefits, health benefits, pension planemployee benefitsRyan Douglas

Business owners are increasingly recognizing the key importance of implementing employee benefit plans in their organization

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Passive Investment Income Limit

June 1, 2018Blog, Investment, Life Insurance, TaxRyan Douglas

Morneau’s federal budget announced earlier this year informed us how the government will treat passive income in a Canadian Controlled Private Corporation. (CCPC) The government’s main concern was that under the current rules a “tax deferral advantage” exists since tax on active business income is usually lower than the top personal marginal tax rate. Therefore if the corporate funds were invested for a long period of time, shareholders might end up with more after-tax amount than if it was invested personally.

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Recent Posts

  • Comparing TFSA’s and RRSP’s – 2019
  • 2019 Financial Calendar
  • Tax Planning Tips for End of 2018
  • Why You Should Consider Critical Illness Insurance
  • Life Insurance and the Capital Dividend Account

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Contact Us

Ryan Douglas, CFP®
Tel: (604) 626- 6381
Email: rdouglas@dtfs.ca
Fax: (866) 876-8975

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Maple Ridge, BC
V2W 2E6

Recent Articles

  • Comparing TFSA’s and RRSP’s – 2019
  • 2019 Financial Calendar
  • Tax Planning Tips for End of 2018
  • Why You Should Consider Critical Illness Insurance
  • Life Insurance and the Capital Dividend Account

About Ryan Douglas, CFP®

We work with both individuals and companies in helping them achieve their financial goals. Our personal services include insurance and investment services, allowing you to get the best product for the best price for your specific situation. We also offer retirement, estate and financial plans and portfolio management.
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