Advisor Research Group

Comply with Legislation & Regulations

If Investors think the markets are confusing, they should try to understand licensing, credentials, legal requirements, and investment industry regulations!

Here we have simplified only the important parts for you and your client!


Corporations and Taxation Across Canada 2020

Dec 2020 The latest update on the taxes for your clients that own businesses

RDSPs 101: What You Need to Know 2021 update

APril 2021 RDSP was designed to allow Canadians with disabilities and their families to save

Tax Free Savings Accounts: Using 2021’s Contribution Limits

Nov 2020 Review and educate your clients on the current allowable investment that can be made in their TFSA.

ORPP 101 – Ontario Retirement Pension Plan is no more

Published: February 24th, 2016 —  The ORPP is dead

Movie Review – Lessons from “The Big Short”

Published: January 14th, 2016 — The messages and themes from the movie based on Michael Lewis’ wonderful book, The Big Short, should be incorporated into your investment practice for your clients’ benefit and for yours.

Registered Accounts for Americans

Published January 14th, 2016 — The rules can seem tedious and intertwining.  Use this guide to quickly understand and communicate to clients how they should use Canadian Registered Accounts if they are American citizens residing in Canada.

Warn Your Clients About Advisor Fraud

Published: December 2nd, 2015 — Almost daily, stories are appearing in the news about elderly (and not so elderly) investors losing their life-savings to a dishonest advisor. Provide your prospects with this list of warning-signs to protect them and create stronger credibility for yourself.

Final RRSP Contributions – the last chance to save some tax?

Published: November 17th, 2015 — As Canadians convert their RRSPs to RRIFs, at the latest by December 31st in the year they turn 71, the window to save some tax closes.  Do a little to save a lot, and your clients will be grateful.

OAS and CPP update – When is the best time to take them?

Published: December 13 2017 — With discounts and premiums based on the age Canadians start each of these pensions, when is the best time to start them?

What you Need to Know about the Pension Income Tax Credit

Published: February 11th, 2015 — Many Canadians will agree: it is not always the amount of money you earn that counts but rather it is the amount of money you get to keep that is really important. That is why familiarizing yourself with the numerous Canadian tax credits offered like the Pension Income Tax Credit can prove beneficial for both your clients and your financial practice. Offering tax tips is a steadily growing niche in the financial advisory industry and could give you the competitive edge you’ve been looking for.

Canada Pension Plan: Should you be Early, On-Time, or Late?

Published: October 30th, 2015 — As with every financial decision, planning and analysis is required. Just like you wouldn’t finance a car purchase without understanding the total cost of borrowing, deciding when to collect Canada Pension Plan (CPP) payments should be done with care. If you take your pension early, your benefit will be permanently reduced until your death. On the contrary, if you start taking it later, then your benefit is permanently increased. This penalty and bonus is calculated to provide a little incentive to delay collecting.

Foreign Content: What’s the right amount?

Published: October 30th, 2015 — If the question is whether North American investors should invest overseas, then the answer is always “maybe”. Once an investor has accumulated enough assets, perhaps more than $100,000, mitigating the risk of loss by investing in different geographies makes as much a sense as investing in different industries and sectors and in different asset classes.
However, an Investment Policy Statement based on an investor’s risk tolerances and investment objectives must guide every decision, including foreign investment.

Quick Facts about Buying Real Estate in the US

Publsihed: December 14th, 2014 — When buying real estate in the United States, there are numerous ways to do so. Although some of the following points may seem familiar, as a buyer or a representative for a buyer, it is essential to understand the pros and cons of each approach if you want to help your clients avoid adverse tax effects.

Protect Your Clients Data

Published: January 3rd, 2015 — The bedrock of your business is trust. It would be a shame to have all of your hard work and training undermined by a momentary security breach. Implement the top tips listed below to secure your clients’ data.

Foreign Investment – Watch out at tax time

Published: July 15th, 2015 —If you or your client directly owned foreign property (like US stocks traded on a US exchange) and its cost basis exceeded $100,000 CDN at any point during the year, then the T1135 must be filed. This can be difficult to track since both underlying cost of the security and the foreign exchange could move in tandem to increase its Canadian value, offset one another, or cause the value to fall. This calculation is not performed at year-end, it must be completed daily over the course of the year. Additionally, it is the value of all of their foreign holdings, each with their own cost basis and a different daily exchange rate for each foreign country involved.

Social Media Compliance Practices

Published: September15th, 2015 — As a financial advisor, there are many benefits to using social media platforms including: brand recognition, search engine optimization (SEO), attracting new clients etc. However, due to compliance regulations or lack thereof, some advisors have been skeptical to approach this new form of advertising. Currently, however, there has been little to no backlash or significant coming out of IIROC or any other government committee.

Linking Powers of Attorney, Beneficiaries, Wills and Estates

Published: September 22nd, 2015 —- There are two types of Powers-of-Attorney; personal care and financial matters. Both are equally important when they need to be utilized and must be aligned and integrated with an individual’s stated beneficiaries; their Will and Estate documentation. One of the simplest ways to demonstrate your responsible and knowledgeable care for your clients is to address the important issues before they become urgent problems. End of life financial matters are the ultimate test of a relationship, both with your client and the next generation.

Individual Pension Plans 101 – What you need to know first

Published: September 3rd, 2015 — Individual Pension Plans (IPPs) can make a significant difference for business owners, executives and incorporated professionals. There are more than a few rules, but understanding them can be well worth the effort for the right investor.

RRIFs – Fact and Fiction

Published: August 1st, 2015 — CRA stipulates that a Registered Retirement Income Fund (RRIF) must be created no later than December 31st of the year that an individual turns age 71. Most are created during this 71st year, but can be created earlier. When a client says, “we need to do this in three years, because I am 68” they are not entirely correct.

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