Practical guides on Canadian taxes, registered accounts, and wealth planning.
Canada abolished estate duty in 1972. What replaced it is a deemed sale of everything you own — and for families holding US stocks, a second country's estate tax that starts at US$60,000.
A lot of commentary still says the 66.67% rate was 'postponed to 2026'. It was cancelled in March 2025. Here is what actually changed, and the one increase that did survive.
Canadian insurers advertise dividend scale interest rates above 6%, but policyholders rarely see that yield in net cash value. Here is how participating accounts actually work, how to calculate real IRR, and where PAR genuinely belongs in a wealth plan.
Passive investment income above $50,000 starts eating your small business deduction, and it is gone entirely at $150,000. Here is the mechanic, and the options once you hit it.
Ontario levies a 1.5% probate fee on estate value over $50,000. While certain assets bypass probate cleanly, adding adult children to property title creates severe legal and tax exposures.
With 2026 limits, a household can shelter $48,810 across three accounts. Which one goes first depends on your marginal rate — and one of them has a rule that punishes waiting.
The $7,200 CESG grant requires a precise multi-year cadence, while the FHSA has a quirk that punishes waiting past age 18. Here is how to architect both accounts for your children.
