Everything CWCC has written, organized the same way our services are. Pick a category below to read what's there.
Seven categories, matching CWCC's service areas. Choose one to see what we've written on that topic.
The strategy that anchors CWCC's approach: control of capital, explained from first principles.
RRSP, TFSA, FHSA, RESP, and the registered-account playbook done properly.
Term, permanent, and participating whole life. How each actually works.
Segregated funds, mutual funds, ETFs, and GICs: educational comparisons, not advice.
Wills, probate, estates, and what a family faces after a death.
Critical illness, disability, and long-term care. Coverage that pays while you're still here.
Employee benefit plans, from both the employer's side and the plan member's.
Jose Salloum’s Canadian book on the strategy known as The Infinite Banking Concept®. Four parts, twelve chapters, fifty-two benefits, and an entire chapter devoted to helping the reader decide it is not for them.
Our city pages explain what changes from one market to the next. Provincial law, the local economy, and the questions that come up most. All meetings are held online.
A provincial border through the labour market: what moving to Gatineau changes, and what a federal defined benefit pension actually transmits.
Premiums stopping is the leading cause of a lost policy, and income stopping is the leading cause of that. Waiver of premium addresses exactly it.
Premiums stopping is the leading cause of a lost policy, and income stopping is the leading cause of that. Waiver of premium addresses exactly it.
An application asks about your parents. Someone in perfect health can be assessed differently because of a family pattern, and insurers weigh it differently.
The annual statement is the only regular report on a forty-year contract. An outstanding loan reduces what is paid at death, and the statement shows it.
The amount is what must be extinguished, plus what must be replaced for a set horizon, minus what already exists. A multiple of salary is not a calculation.
Most of the process is genuinely remote. Two steps are not: the paramedical visit, and the report the insurer requests from your clinic.
Insuring another person needs insurable interest and their consent. It cannot be done discreetly, however good the intentions.
You cannot enrol in the public mechanism once you are ill. And a disability benefit is calculated on demonstrable net income, not revenue.
Group coverage ends on a date tied to employment. The conversion window is short, nobody reminds you, and it is the one deadline that cannot be recovered.
Three public benefits exist and none is paid automatically. A common-law partner may qualify for the survivor pension yet still not inherit without a will.
A US connection determines the ownership structure, not just the amount. Unwinding a structure afterwards is expensive and sometimes impossible.
A protection mandate does not take effect on signing. Between incapacity and homologation, nobody has authority, and the payments keep falling due.
The premium is what distinguishes two contracts least. The conversion privilege deadline matters most and is looked at least.
A contract guarantee is the insurer’s enforceable promise, not a government one. Assuris exists, and it is not the body that protects deposits.
An answer given in good faith to a question that was not understood produces, at claim time, the same result as a deliberate omission.
In Quebec the will disposes only of what remains after the family patrimony is divided and the matrimonial regime is liquidated.
Most group contracts reduce their benefit by what other sources pay, so qualifying for a public benefit can add almost nothing to the household.
Naming a beneficiary abroad is generally permitted. The friction is in the settlement, and recording their exact legal name now prevents most of it.
A designation pays everything at once, without conditions. Where that is wrong, a settlement option costs nothing and almost nobody knows it exists.
None of these six events triggers a notice. No insurer, notary or anyone else writes to say your planning has stopped working. The only detection mechanism is you.
A named beneficiary waits on neither the will search, nor probate, nor the liquidator. No named beneficiary is the most common cause of delay.
An insurer takes you at your word on the application and verifies at claim time. Declaring an activity usually means a rating or an exclusion, not a decline.
Replacing a policy restarts the incontestability period, the suicide clause and underwriting. You are owed a written comparison before deciding.
Reinstating a lapsed policy needs new evidence of health. And dividends are not guaranteed, so premiums you believed finished can resume.
An insurer does not learn of your death. A benefit is paid on a claim, made by somebody who knows the contract exists.
A rating is a price, not a refusal, and a decline at one insurer is not a decline everywhere. Ask for the reason: it is sometimes an error.
Contributions stop with the subscriber, and grants stop with contributions. A successor subscriber named in the will settles half the problem.
A group plan is a retention tool, and its premium follows your own group’s claims. It protects your staff, not the owner the company depends on.
The need falls as the mortgage shrinks and the children grow. A single flat policy charges for the peak until its last year.
Three regimes count your days differently: provincial health coverage, the travel insurance stability clause, and the US three-year presence test.
The bill arrives in full in one year, while the properties do not sell in one year. Recapture of depreciation is the item owners never see coming.
If nobody depends on you financially, you probably do not need life insurance. There are five real exceptions, and we go through them honestly.
The public system provides the care, not everything else. No insurance product solves this cleanly, and we will say so before proposing anything.
Group life is a multiple of salary and ends at retirement. Two irrevocable decisions arrive the same day, and the conversion window is short.
Critical illness pays on a closed list of conditions, and the contract definition governs, not the word your doctor used.
A term policy renews at a premium several times higher. The conversion privilege needs no health questions, and it expires on a fixed date.
Every mid-sized company has one person who cannot be replaced in three months. The capital does not replace them: it buys the company time.
The one good reason to insure a child is to fix insurability while it is perfect. It is not savings, and parents insure themselves first.
A corporately owned policy is funded with dollars that bore only corporate tax, and the death benefit less its cost basis is credited to the CDA.
Naming a child with a disability directly can suspend the benefits they depend on. The structure that exists for this is a trust, and insurance funds it.
Everything to the spouse, then to the children, works in a first marriage. In a second, nothing legally obliges the survivor to keep that promise.
Becoming resident in Canada fixes a cost base almost nobody documents, and insurability is better on arrival than it will ever be again.
While a spouse survives the RRIF rolls over untaxed. At the last death the entire balance enters one final return, in one year.
The farm rollover defers the tax and leaves the division unsolved: one child takes over, and the land is most of the estate.
Wills variation under WESA, unique in Canada, probate fees, and a market where house prices rose five times faster than incomes.
Common law, Estate Administration Tax, beneficiary designations on registered accounts, and a market where the benchmark price reaches 12.7 times median income.
Civil Code, liquidator, plexes, incorporated professionals and the Capital Dividend Account. What makes Montreal planning distinct.
The multigenerational household, shared title, and the family who stayed abroad. Meetings online.
Coordination at 65, the partial survivor pension, and the tax on the last death of a RRIF. Meetings online.
Group plan conversion deadlines, the disability definition that changes everything, and asset-heavy business succession. Meetings online.
The incorporated trucker, the self-employed worker with no plan, and the young homeowning family. Meetings online.
The young homeowning family, the multigenerational family business, and probate fees. Meetings online.
The family farm and intergenerational transfer, hospital and university pensions, and the retiree who came from Toronto. Meetings online.
Assets held abroad, worldwide deemed disposition, and share-based compensation. Meetings online.
Our city. The principal residence exemption and its limits, family business succession, and the Civil Code. Meetings online.
