Viewpoints by Tax, Retirement & Estate Planning Services Team, at Manulife Investment Management
Tax Retirement & Estate planning Services (TREPS) is a team of accountants, lawyers, and other specialists skilled in proactively identifying opportunities for advisors and clients within the changing regulatory and market environments. With extensive knowledge and experience in tax and legal matters related to investments and insurance, the TREPS team provides case-level advisor support while working with our sales teams on tax, estate planning, wealth accumulation, retirement planning, creditor protection, beneficiary, and ownership solutions for investment and insurance products
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RRSPs and RRIFs on death
What happens when an RRSP owner dies? At death, RRSPs and RRIFs are fully taxable. By naming a qualifying survivor as a beneficiary, tax can be deferred. There are many questions to answer about tax reporting at death. We discuss some common ones.
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Common wealth transfer mistakes (national edition)
Transferring assets to the intended beneficiaries doesn't always go as planned. Here are the common mistakes to watch out for.
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Common estate planning mistakes in Quebec
Transferring assets to the people you want in the way you want doesn't always go as planned. Here are the common mistakes to watch out for.
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Keeping the family cottage in the family
Passing on a family cottage? Half of any increase in value is taxable at death. This strategy protects against an estate having to sell a cottage to pay the tax.
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Changes to the capital gains tax—what could they mean for you?
The 2024 federal budget proposed changes to the capital gains tax. See how they may apply to you, and what they could mean for your retirement planning.
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Federal budget 2024―and you thought there would be nothing?!
A summary of the 2024 federal government’s budget highlighting the changes delivered by the Liberal government on April 16, 2024. Review our analysis of the key corporate and personal measures and how they impact you.
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Understanding trusts
Trusts can be used for your estate-planning and wealth-succession goals. Learn more about trusts: formal vs informal trusts, attribution rules, 21-year deemed disposition, preferred beneficiary election, trustee duties, and tax compliance.
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Common TFSA mistakes
Tax-Free Savings Accounts are a powerful tool for growing savings tax free. How to avoid common – and costly – mistakes, and harness their full potential.
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Registered retirement income—the facts
With all the changes that retirement brings, you need to make the best use of your RRSP savings to enjoy your retirement to its fullest. This booklet reviews the retirement income options available to you and allows you to explore in some detail those you find most appealing.
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Registered retirement savings plan (RRSP)—the facts
This guide describes RRSPs and how the tax-deductible contributions you make to an RRSP will provide current tax savings. It also reviews how you can use your RRSP to create a sound retirement plan.
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