by Denis Bugeja | Jul 30, 2025 | Blog, Business Owners, Financial Advice, Incorporated Professionals, Individuals, tax
Summer at the cottage is full of memories: dockside coffees, late-night campfires, and the debate over who’s doing the dishes. My friend Peter owns a family cottage that both his children enjoy, and he recently told me he wants to pass it on now, rather than leave it...
by Denis Bugeja | May 1, 2025 | Blog, Estate Planning, Family, Financial Advice, Individuals, Insurance, Life Insurance
When people think about life insurance, they often picture it as something only needed to protect young families or pay off a mortgage. But what might surprise you is how many wealthy individuals continue to carry large life insurance policies. In fact, high-net-worth...
by Denis Bugeja | Dec 3, 2024 | Blog, Estate Planning, Financial Advice, tax
Did you know that after years of working hard to provide for your family, without proper planning you could end up leaving them with a tax bill? Good news! There are ways to eliminate or defer these tax liabilities to protect your estate for future generations. To...
by Denis Bugeja | Sep 6, 2024 | Blog, Business Owners, Corporate, Financial Advice, Financial Planning, Incorporated Professionals, Individuals, Investment, tax
The Canadian government recently introduced big changes to capital gains in the 2024 Federal Budget. You’re probably wondering how it will affect you and/or your business moving forward. These changes, particularly the increase in the inclusion rate on capital gains...
by Denis Bugeja | Aug 6, 2024 | Blog, Estate Planning, Family, Financial Advice, Financial Planning
Are you a parent or grandparent interested in transferring wealth to your kids or grandkids in a tax-efficient way without compromising your own financial security? Cascading life insurance could be for you. This approach not only leverages the cost-effectiveness of...
by Denis Bugeja | Jun 4, 2024 | Blog, Estate Planning, Family, Financial Advice, Financial Planning
If you think your heirs are not quite old enough or prepared enough to discuss the wealth they will inherit on your death, you’re not alone. Unfortunately, this way of thinking can leave your beneficiaries in a decision-making vacuum: an unnecessary predicament which...
