by Michel Guimond | Oct 21, 2021 | Canada Pension Plan
In Part 1, I set the stage for understanding CPP with the rules and impact of interest rates AND marginal tax rates (including OAS clawback) on receiving CPP at different ages. Read...
by Michel Guimond | Feb 9, 2021 | Canada Pension Plan
In Part 2, I would like to touch on some of the other factors that are relevant in relation to the decision about when to take CPP. These factors include: Health Factors, Flexibility VS Guarantees and Rigidity, Creating some Flexibility, “Utility” of Money and CPP...
by Michel Guimond | Jun 15, 2020 | Life Insurance
In this article, we finish with the following details: Universal Life (UL) and Whole Life (WL) in more detail Pricing Issues and lapse rate Capital Gains tax, Tax on RRSPs and RRIFs and Joint & Last to Die coverage Permanent Insurance as an investment?...
by Michel Guimond | Feb 3, 2020 | Life Insurance
I could write a book on Permanent Insurance, but I will do two articles on it, covering: Reasons for Permanent Insurance (PI) Types of PI and Initiation to Mortality Curve Tax Environment of Cash Value PI UL and WL in more details Pricing issues and lapse rate...
by Michel Guimond | Oct 11, 2019 | Life Insurance
My Transfer Value (TV) articles were complex but your pension can be your biggest asset and what’s at stake cannot be taken lightly. Life Insurance is the same. It’s a complex topic too, but it can change lives! In the next two articles, I want to show the uses of...
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