Featured Articles
The Unluckiest Investor Ever. What Happened to Money Invested in September 1929?
Why the real danger to your portfolio isn't volatility. It's when you're forced to sell.
June 17, 2026
Quick quiz. Imagine you invested a lump sum in U.S. stocks in September 1929, the month before the crash that kicked off the Great Depression. You never sold and never added money, and you reinve...
Read More →Understanding Universal Life Insurance (UL)
A Practical Guide to Tax-Exempt Capital Accumulation and Liability Matching
June 9, 2026
A Universal Life (UL) Plan is created by combining two distinct components: 1) a guaranteed life insurance contract, and 2) a tax-exempt investment account. Understanding how these two separate el...
Read More →Rethinking IFAs: What Accountants Should Consider After Bill C‑59
The rules have changed. Why accountants must rethink the tax and deductibility risks of IFAs in the post-Bill C-59 era.
June 1, 2026
The recent GAAR amendments enacted through Bill C-59 mark a turning point for Immediate Financing Arrangements (IFAs). While previously tolerated due to sequencing and legal form, these leveraged i...
Read More →Holdco Investing: Unlocking the S&P 500 Without the Tax Drag
Why Warren Buffett’s Best Advice Can Be Inefficient for Canadian Holdcos (And How to Optimize It)
May 5, 2026
In 2007, Warren Buffett made a highly publicized $1 million wager against the active wealth management industry. He bet that a basic, low-cost S&P 500 index fund would outperform a hand-picke...
Read More →Why I Never Sold an IFA: Life Insurance Risks & CRA Exposure
Why multi-generational wealth should never depend on a fragile tax workaround.
Sept. 18, 2025
Industry discussion surrounding Immediate Financing Arrangements (IFAs) has recently focused on the tax shelter rules under subsection 237.1(1) and the limited-recourse debt rules in section 143.2 ...
Read More →