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Every Page, A to Z
Before you act on anything about tax on this page
This practice is licensed in life and health insurance. It is not an accounting practice, it does not prepare returns, and nothing on this page is tax advice or an opinion on anybody’s tax position.
- Speak to an accountant before you act. Not after. If tax is any part of the reason a decision is being considered, a professional accountant who has seen the actual file is the person to decide it with, and this page is not a substitute for that conversation.
- The rules move. Tax rules, thresholds, rates, forms and deadlines change, most of them at least once a year, and a rule described here may have been amended since this page was built.
- The tax authority is the authority. For anything a reader intends to rely on, the Canada Revenue Agency and, in Quebec, Revenu Quebec publish the current rule themselves, free, and that is where it should be read.
- Nothing here is a calculation of anybody’s tax. This page describes how a rule is written. It does not work out what any reader will pay, recover or owe, because that depends on a whole return and on facts no page can see.
- No professional relationship is created by reading this. No reliance should be placed on it, and nothing in it is legal advice either.
In plain language: we are not accountants. Anything here that touches tax is general information, it changes, and it should be checked with an accountant and against the tax authority’s own page before anybody uses it for anything.
This is the second index on this site, and it exists because being lost has two shapes. The site map groups every page by subject, which helps when you know what you want but not what it is called. This page is alphabetical and it filters as you type, which helps when you half remember a title and have no idea which subject it sits under.
438 pages, listed once each. It is the same set the site map groups by subject, and the same figure the home page prints.
Start typing part of a title. Everything that does not match is hidden. A subject works too: type a silo name or a city and the list narrows to it. Clear the box to see them all again.
Nothing matches that. Clear the box to start again.
# 2
A 12
- Across Canada
- Active vs. Passive Investing: A Plain-Language Guide for Canadians
- AD&D Insurance in Canada: What It Covers and What It Doesn't
- Adding a Group Retirement Plan to Benefits Already in Force
- Alter Ego and Joint Partner Trusts
- Annuities
- Annuities in Canada
- Applying for Life Insurance on a Work Permit
- Are Life Insurance Payouts Taxable in Canada?
- Are Living Benefits Taxable in Canada? What to Understand
- Asset Allocation: Building a Balanced Portfolio
- Asset Location: Holding Your Investments Tax-Efficiently in Canada
B 8
- Beneficiary Designations in Canada: How They Work and Why They Matter
- Blended Family Estate Planning in Canada: Providing for Everyone
- The Blind Spots Between a Family and a Business in Quebec
- Borrowing From Your Own RRSP: The Home Buyers’ Plan and the Lifelong Learning Plan
- Budgeting Methods Compared: Which One Fits You?
- Building Your Capital System: The Long Game
- Business Succession Planning in Canada: Protecting What You Built
- The Business Succession Timeline in Canada: Why It Starts Earlier Than You Think
C 27
- Calculators
- Can You Use Policy Loans for Business Purposes?
- The Canada Pension Plan, Explained Properly
- The Capital Gains Inclusion Rate: The Increase That Was Cancelled
- The Caregiving Years: What Time Out of the Workforce Does to a Retirement
- Cash Flow and Debt: The Foundation of Every Financial Plan
- Changing Group Benefits Carriers
- CIRO and Investor Protection in Canada
- A Claim, Step by Step, and Who Produces What
- The Clause That Keeps the Other Contracts Alive
- A Condo in Florida and an American Estate Tax Return: US Assets in a Canadian Estate
- Contact CWCC
- Cookie Policy
- Coordination of Benefits in Canada: Using Two Group Plans
- Corporate-Owned Life Insurance and the Capital Dividend Account
- Corporate-Owned Life Insurance in Canada: The Capital Dividend Account and More
- The Cost of Long-Term Care in Canada: What Every Family Should Understand
- Covering a Parent Visiting Canada Without a Super Visa
- The CPP Disability Benefit: What It Does and Doesn't Cover
- Credit Card Travel Insurance: The Limits People Find Too Late
- Creditor Protection and Segregated Funds: What's Real
- Creditor Protection Through a Segregated Fund Contract
- Critical Illness Insurance and a Business: What Happens the Week a Shareholder Stops
- Critical Illness Insurance for Children in Canada: What to Know
- Critical Illness Insurance in Canada: How It Works and Who It's For
- Critical Illness Insurance: What Conditions Are Covered in Canada
- Critical Illness vs Life Insurance in Canada: Two Different Jobs
D 12
- Dangerous Work and Risky Hobbies on an Application
- The De Facto Spouse in Quebec: What the Law Gives, and What It Does Not
- Declined, Rated or Postponed: What Each Life Insurance Decision Means
- Deemed Disposition at Death in Canada: What It Means
- Designing the Premium: Base and Paid Up Additions
- Digital Assets and Estate Planning in Canada: What to Know
- Disability Insurance for the Self-Employed and Business Owners in Canada
- Disability Insurance in Canada: Own-Occupation vs Any-Occupation Explained
- Divorce and the Protection That Lapses
- Do the Provinces Have Their Own Pension Plans? The Honest Answer
- Dollar-Cost Averaging vs Lump Sum Investing: What the Research Shows
- Dying Without a Will in Canada: What Intestacy Means
E 11
- The Emergency Fund: Why It Comes Before Everything Else
- Employee Assistance Programs (EAP) in Canada: How They Work
- The Employer Retirement Plans, Explained
- Estate Equalization with Life Insurance: Treating Heirs Fairly
- The Estate Freeze: Fixing Today’s Value So Tomorrow’s Growth Belongs to the Next Generation
- Estate Liquidity and Life Insurance in Canada: Planning for the Tax at Death
- Estate Planning Checklist for Canada: Getting Your Affairs in Order
- Estate Planning for a Beneficiary With a Disability in Canada
- Every Page, A to Z
- Exclusions and Pre Existing Conditions, Read Rather Than Assumed
- Executor and Liquidator Compensation in Canada: How It Works
F 57
- Family Business Succession in Canada: Keeping the Business and the Family Whole
- The Family Cottage: The Asset That Divides More Families Than Money Does
- Family History on a Life Insurance Application
- Family Patrimony and the Life Insurance Beneficiary in Quebec
- The Fear of Outliving Your Money, and What It Is Really Asking
- The FHSA: The Tax-Smart Account for First-Time Home Buyers
- Final Arrangements and Funeral Planning in Canada: A Calm Guide
- Final expense insurance
- The Final Tax Return at Death in Canada: What the Executor Files
- Financial Security Advisor in Laval, Quebec
- Financial Security Advisor Serving Montreal, Quebec
- Financial services in Airdrie
- Financial services in Brampton
- Financial services in Brandon
- Financial services in Calgary
- Financial services in Camrose
- Financial services in Cochrane
- Financial services in Dieppe
- Financial services in Edmonton
- Financial services in Edmundston
- Financial services in Fort Saskatchewan
- Financial services in Fredericton
- Financial services in Grande Prairie
- Financial services in Hamilton
- Financial services in Laval
- Financial services in Leduc
- Financial services in Lethbridge
- Financial services in Lloydminster
- Financial services in London
- Financial services in Markham
- Financial services in Medicine Hat
- Financial services in Miramichi
- Financial services in Mississauga
- Financial services in Moncton
- Financial services in Montreal
- Financial services in Morden
- Financial services in Okotoks
- Financial services in Ottawa
- Financial services in Portage la Prairie
- Financial services in Quebec City
- Financial services in Red Deer
- Financial services in Riverview
- Financial services in Saint John
- Financial services in Selkirk
- Financial services in Spruce Grove
- Financial services in St. Albert
- Financial services in Steinbach
- Financial services in Surrey
- Financial services in Thompson
- Financial services in Toronto
- Financial services in Vancouver
- Financial services in Winkler
- Financial services in Winnipeg
- The First Home Savings Account, Explained
- Four Questions About Your Money, and Why They Come Before Any Product
- Four Ways a Bank Earns From an Ordinary Household
- Funding a Shareholder Agreement with Life Insurance
G 19
- GIC Laddering Explained: A Simple Strategy for Your Guaranteed Savings
- GICs Explained: How Guaranteed Investment Certificates Work
- Giving at Death: The Receipt That Outlives You
- GMWB: What a Guaranteed Minimum Withdrawal Benefit Does
- Going Back to Work Part Way, and What a Contract Says About It
- Good Debt vs Bad Debt: A More Honest Distinction
- Group Benefits for a Business With Fewer Than Ten Employees
- Group Benefits for Small Business Owners in Canada
- Group Benefits in Canada: What They Are and How They Work
- Group Benefits in Canada: What's Actually Covered
- Group Benefits When Employees Live in Another Province
- Group Benefits When You Leave a Job: What Happens and Your Conversion Rights
- Group Insurance
- Group Insurance for Canadian Employers
- Group Long Term Disability Against an Individual Policy
- Group RRSP, DPSP or Pension: Three Things Employers Call the Same
- Group vs Individual Insurance in Canada: How to Think About the Difference
- The Guaranteed Income Supplement: Who It Reaches, and What Reduces It
- Guaranteed issue life insurance
H 22
- Health and dental coverage
- A Health Spending Account Instead of a Plan
- Health Spending Accounts for Small Business in Canada
- The History of Participating Dividends in Canada: What a Century Teaches
- Holding United States Assets as a Canadian Investor
- Home Care vs Facility Care in Canada: Understanding the Settings
- How Disability Insurance Claims Work in Canada
- How Long to Build Cash Value in Participating Whole Life Insurance
- How Long You Can Leave Your Province Before You Lose Coverage
- How Money Is Created in Canada, and Why a Household Cannot Do It
- How Much Disability Insurance Do You Need in Canada?
- How Much Life Insurance Do I Need? A Needs-Analysis Guide
- How Much Should You Save Each Month? The Honest Answer
- How This Firm Is Paid, and Where That Pulls Against You
- How to Check a Representative in Quebec, and What the Register Shows
- How to Choose an Executor in Canada
- How to Choose an Investment Advisor in Canada
- How to Complain About an Insurance Advisor, and to Whom
- How to Pay for Long-Term Care in Canada
- How to Pay Off Debt Faster: The Cash Flow Discipline Method
- How to Spot an Investment Scam: A Canadian Guide to Protecting Your Money
- How we count
I 20
- IBC FAQ: 15 Questions Answered Honestly
- IBC for Incorporated Professionals in Canada: Why It Fits
- IBC vs RRSP: Different Tools for Different Jobs
- If the Super Visa Is Refused: What Happens to the Insurance You Had to Buy
- Immediate financing arrangement
- Income Splitting for Couples and Families: What Works and What Doesn't
- The Infinite Banking Concepts® Authorized Practitioner certification: What It Means
- Infinite Financial Sovereignty®
- Infinite Financial Sovereignty®, Simplified
- Infinite Financial Sovereignty®: The Strategy CWCC Delivers for Capital Control in Canada
- The IFS™ Strategy: The Complete Guide
- Inflation and the Silent Erosion of Your Purchasing Power
- Interest Paid Against Interest Earned: The Lifetime Total Nobody Adds Up
- Interest, Dividends and Capital Gains: Three Different Taxes on the Same Dollar
- Investment Fees Explained: MERs, Trading Costs, and Why They Matter
- Investment Options
- Investment Options for Canadians
- Is Critical Illness Insurance Worth It in Canada?
- Is Group Life Insurance Enough? What to Know in Canada
- Is The Infinite Banking Concept® a Scam? An Honest Answer
J 3
K 1
L 87
- A Lapsed Policy, and How Reinstatement Works
- Leaving Canada: What Happens to Your Policy
- Legal Disclosures and Compliance
- Let's Start With a Conversation
- Letter of Wishes and Estate Planning in Canada: What It Is and Isn't
- Life Insurance
- Life Insurance and Divorce in Canada: What to Review
- The Life Insurance Contestability Period in Canada Explained
- Life insurance for children
- Life Insurance for Newcomers to Canada: Applying Without a Long Canadian Record
- Life insurance for seniors
- Life insurance in Abbotsford
- Life insurance in Ajax
- Life insurance in Barrie
- Life insurance in Blainville
- Life insurance in Brantford
- Life insurance in Brossard
- Life insurance in Burlington
- Life insurance in Burnaby
- Life insurance in Cambridge
- Life Insurance in Canada
- Life insurance in Châteauguay
- Life insurance in Chilliwack
- Life insurance in Coquitlam
- Life insurance in Delta
- Life insurance in Dollard-des-Ormeaux
- Life insurance in Drummondville
- Life insurance in Gatineau
- Life insurance in Granby
- Life insurance in Guelph
- Life insurance in Kamloops
- Life insurance in Kelowna
- Life insurance in Kingston
- Life insurance in Kitchener
- Life insurance in Langley
- Life insurance in Levis
- Life insurance in Longueuil
- Life insurance in Maple Ridge
- Life insurance in Mascouche
- Life insurance in Milton
- Life insurance in Nanaimo
- Life insurance in Niagara Falls
- Life insurance in North Vancouver
- Life insurance in Oakville
- Life insurance in Oshawa
- Life insurance in Peterborough
- Life insurance in Pickering
- Life insurance in Prince George
- Life insurance in Repentigny
- Life insurance in Richmond
- Life insurance in Richmond Hill
- Life insurance in Rimouski
- Life insurance in Saanich
- Life insurance in Saguenay
- Life insurance in Saint-Eustache
- Life insurance in Saint-Hyacinthe
- Life insurance in Saint-Jérôme
- Life insurance in Saint-Jean-sur-Richelieu
- Life insurance in Salaberry-de-Valleyfield
- Life insurance in Sarnia
- Life insurance in Sherbrooke
- Life insurance in St. Catharines
- Life insurance in Sudbury
- Life insurance in Terrebonne
- Life insurance in Thunder Bay
- Life insurance in Trois-Rivieres
- Life insurance in Vaughan
- Life insurance in Victoria
- Life insurance in Victoriaville
- Life insurance in Waterloo
- Life insurance in Whitby
- Life insurance in Windsor
- Life Insurance in Your Fifties: When the Arithmetic Changes
- Life Insurance in Your First Year as a Permanent Resident
- Life Insurance in Your Thirties and Forties: What the Decision Is Actually About
- The Life Insurance Medical Exam: What to Expect
- Life insurance needs estimate
- Life Insurance With Diabetes in Canada
- Life Insurance, Tax, and Estate Planning in Canada
- Lifestyle Inflation: Why Raises Don't Make You Richer
- Lifetime Gifting and Estate Planning in Canada: Benefits and Trade-Offs
- The Liquidator in Quebec, and How the Role Differs from an Executor
- Living Benefits
- Living Benefits Insurance in Canada
- Locked In Money: The LIRA and the LIF, Under Quebec Rules
- Long-Term Care Insurance in Canada: How It Works and Who It's For
- A Lump Sum Is Not an Income, and That Is the Whole Point
M 4
N 5
O 7
- The Old Age Security Recovery Tax in a Large Disposition Year
- The Old Age Security Recovery Tax: How the Clawback Actually Works
- Old Age Security, the Supplement, and the Two Allowances
- Opportunity Cost: The Second Price on Every Canadian Dollar
- Our mission
- Our process
- Own Occupation or Any Occupation: The Definition That Decides a Disability Claim
P 25
- Paid-Up Additions Explained: How They Accelerate Whole Life Policies
- The Parent at Home: No Salary, Real Loss
- Partial and Early Payout Benefits on Critical Illness Insurance
- Participating Whole Life Dividends Explained: What They Are and How They Work
- Participating whole life insurance
- Participating Whole Life Insurance: The Foundation of IFS™®
- Participating Whole Life vs Universal Life Insurance: A Plain Comparison
- Paying for a Child’s Education Is a Timing Problem
- Paying for Super Visa Insurance and Getting a Refund
- Pension Income Splitting After 65
- The Pension You Left Behind: Locked-In Accounts, and the Rules That Follow the Money
- Per Stirpes vs Per Capita: How Beneficiary Shares Work
- Permanent Life Insurance in Canada: Whole Life vs Universal Life
- Policies and disclosures
- Policies built for the strategy
- Policy Illustration Explained: What the Numbers Mean
- Policy Loan or Collateral Loan: Two Ways to Borrow
- Policy Loans and the Capital-Flow Function: How It Works in Practice
- Policy Loans Explained: How They Work and What to Watch For
- Power of Attorney and Incapacity Planning in Canada
- The Power of Compound Interest: How Time Builds Wealth
- Prescription Drug Insurance in Quebec Is Compulsory, and the Rule Is Stricter Than People Think
- The Price of Liquidity: What It Costs to Reach Your Own Money
- The Principal Residence Exemption at Death in Canada
- Privacy Policy
Q 4
R 19
- Rebalancing Your Investment Portfolio in Canada
- Registered Accounts in Canada: TFSA, RRSP, FHSA, and RESP Explained
- The Registered Disability Savings Plan, Explained
- The Registered Education Savings Plan, Explained
- The Registered Retirement Income Fund, Explained
- The Registered Retirement Savings Plan, Explained
- Registered vs Non-Registered Accounts: Which Should Come First?
- Renewing a Term Life Policy in Canada: Pitfalls to Avoid
- Resources
- The RESP: How Government Grants Boost Education Savings
- Retirement income gap
- Retiring With a Corporation
- Return of Premium on Critical Illness Insurance in Canada
- Risk Tolerance: How Much Risk Is Right for You?
- RREGOP, the Quebec Public Sector Pension Plan
- RRIF Minimum Withdrawals: The Schedule That Starts Whether You Need the Money or Not
- RRIF, Annuity, or Both at 71
- RRSP Contribution Room: Carry Forward, the Pension Adjustment, and the Penalty for Going Over
- The rule of 72
S 16
- The Salloum Maneuver™: An Advanced Leverage Strategy
- Segregated Fund Guarantees, and What They Do Not Cover
- Segregated Funds and Mutual Funds, What Actually Differs
- Segregated Funds in Canada: Guarantees, Costs, and How They Work
- Segregated Funds vs ETFs vs Mutual Funds: A Fair Comparison for Canadians
- Sequence of Returns Risk: Why Timing Matters in Retirement
- Seven service areas. One system.
- Short-Term vs Long-Term Disability Insurance in Canada: How They Work Together
- Simplified issue life insurance
- Sinking Funds: How to Save for Big Planned Expenses
- Smoker Rates in Canada: What Counts, and What Changes When You Quit
- The Spousal RRSP: Income Splitting Before Retirement, and the Three Year Rule
- Succession Planning
- Succession Planning in Canada
- Super Visa insurance
- The Survival Period on Critical Illness Insurance: The Clause That Decides the Claim
T 19
- Take the Pension or Take the Money: The Commuted Value Decision
- The Tax Free Savings Account, and the Rule Almost Everyone Gets Wrong
- Teaching Kids About Money: The Gift That Lasts a Lifetime
- Term 10 life insurance
- Term 20 life insurance
- Term 30 life insurance
- The Term Conversion Privilege in Canada: The Deadline Nobody Mentions
- Term Life Insurance in Canada: How It Works and Who It's For
- Term to 100 life insurance
- Term vs Permanent Life Insurance: How to Choose by Age
- Testamentary Trusts in Canada: What They Are and When to Use One
- TFSA vs RRSP: Which One Should Come First?
- The Three Forms of Will in Quebec
- The Three Month Waiting Period: What Covers You Before Quebec Does
- Transparency and Compensation
- Travel Advisories and Your Policy: What a Warning Actually Does
- Travel insurance
- The Two Contracts Owned Together, So Neither Is Bought Twice
- Two Hundred Dollars From the Edge: What the Monthly Margin Decides
U 4
V 1
W 51
- The Waiting Period Is a Budget Decision, Not a Product Feature
- Wealth Creation
- Wealth Creation & Management in Canada
- Wealth Creation Starts With One Decision
- What a Disability Contract Promises About Itself
- What a fee costs over time
- What a Group Benefits Broker Does, and How the Broker Is Paid
- What a Management Expense Ratio Costs Over Thirty Years
- What a Super Visa Medical Insurance Policy Must Contain
- What Actually Answers When a Person Cannot Work
- What Actually Moves a Group Benefits Renewal
- What an AMF Firm Registration Means, and How to Verify One
- What Canadians Are Actually Worried About With Money
- What Changes When You Move Out of Quebec
- What Deposit Insurance Covers, and What It Does Not
- What Deposit Insurance Does Not Cover
- What Drives the Cost of Group Benefits for a Small Business?
- What Happens If You Miss a Premium on Whole Life Insurance?
- What Happens in the Annual Review, and Why It Decides Whether You Stay
- What Happens to Your Investments at Death in Canada
- What Happens to Your RRSP or RRIF When You Die in Canada
- What Is a MER Really Costing You?
- What Is Probate in Canada? A Plain-Language Guide
- What Is the Adjusted Cost Basis (ACB) of a Life Insurance Policy?
- What Probate Costs in Canada, and Why the Answer Depends on Your Province
- What Reduces a Disability Benefit: Offsets, Other Income and Going Back to Work
- What the CPP and QPP Survivor Benefit Actually Pays a Surviving Spouse
- What the Public Plan Does Not Pay an Adult in Quebec
- What the Renewal Letter Is Actually Saying
- What This Firm Does Not Do, and Who Does It
- What to Do When Someone Dies in Canada: A Practical Guide
- What we work with
- What Your Provincial Health Plan Pays When You Are Ill Abroad
- When Group Benefits Actually Start: Waiting Periods and Enrolment
- When Help Is Needed: Assessing Long-Term Care Before a Crisis Decides
- When Several Protections Exist, Which One Answers First
- When This Strategy Does Not Fit
- When to Buy Long-Term Care Insurance in Canada
- When to Start Your CPP or QPP Pension: The Decision Most People Make by Default
- Which Group Benefits Are Taxable to the Employee
- Which Group Benefits Are Taxable, and to Whom
- Which Retirement Account to Draw Down First
- Who Pays the Premium, and What the Revenue Agency Publishes About It
- Whole Life Cash Surrender Value Explained
- Whole Life Dividend Options: Understanding Your Dividends
- Why a Trip to Another Province Still Needs Coverage
- Why Investors Often Underperform Their Own Investments
- Why This Firm Places Business With Mutual Insurers
- Widowhood: What Actually Changes Financially, and in What Order
- Wills and Estate Basics in Canada: What You Need to Know
- The Woman Who Is the Beneficiary
Y 2
The machine files
These three are public and none of them is listed anywhere else on the site. The first is for search engines, the second is for assistants that read sites, the third tells a crawler what it may fetch.
- sitemap.xmlEvery address on the site, for search engines.
- llms.txtThe same addresses, written for an assistant.
- robots.txtWhat a crawler is asked to do here.
What is not listed here, and why
Two kinds of page are left out on purpose. The confirmation pages a reader only sees after sending a form, which are not pages anybody browses to. And the administrative area, which is not part of the published site.
No page on this site holds anybody’s information. Nothing a reader sends is published anywhere, and there is no page here that could be listed and should not be.
The legal pages are listed in full, with everything else. A privacy policy that is hard to find is a privacy policy doing half its job.
The site map itself is the one page not listed, because a map that lists itself is the only entry on it nobody needs. It is one link away, above.