Ian Quigley

Qube Investment Management

Individual Pension Plans and Maximum Transfer Value Considerations

Recent tax changes for Canadian controlled private corporations (CCPCs) have sparked renewed interest in IPPs. This is excellent! Business owners have a lot to gain from IPPs in the way of increased retirement savings, reduced corporate taxes and mitigated risk. However, to fully realize the value of these plans, we need to focus a little less on the contribution advantages and a little more on how to access these accumulated funds post-retirement. The latter planning requires a thorough understanding of the actuary’s “black-box” calculations, specifically the maximum transfer value (MTV) calculation.

Retirement Tax Modeling

There are very few guarantees when it comes to investment returns, but with careful consideration of available account types, and optimal asset location, investors can minimize tax drag and boost returns. The additional after-tax returns can even be calculated in advance. Real world case examples with calculations will be presented.

Strategic Charitable Giving: Capital Gains Rollovers

There are a number of significant and often overlooked planning options available to both individuals and business owners who desire to make charitable gifts. Since 2006 there are special rules for donations of appreciated publicly traded securities to registered Canadian charities. Rules that make donations of appreciated property far more favourable than the donation of cash.

Term vs Permanent Insurance

Life insurance can be a cost-efficient tool to fund various financial needs upon death, but there are many products, pitfalls and sales pitches that your clients should avoid. Thankfully, accountants are perfectly positioned to help guard their clients against sub-optimal solutions to their insurance needs.

Please note location change to:

Chateau Louis Conference Centre

11727 Kingsway NW • Edmonton AB T5G 3A1 | 780.452.7770