ARTICLES BY CATEGORY: Estate Transfer Planning
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Legacy Planning – a Conversation
By Cecilia Tsang on 04 Jul 2023
This article stems from real conversations I have had with some of my valued clients: “I have been thinking about my legacy. Now that I’ve sold my home, I have been thinking about what to do with the funds."
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Case Study: Life Insurance in Retirement – Helping Adult Children Equitably
By Tara Ennevor on 12 Jan 2023
How can you help an adult child in need now and ensure any other children are treated equally?
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Wills Variation Estate Primer
By Erin Hatch on 07 Jul 2018
As you make decisions regarding your estate and succession planning, you want to ensure that your final wishes will be upheld and withstand judicial scrutiny.
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Undue Influence – Avoid an Undoing
By Teresa Black Hughes on 27 Apr 2018
I had a pastor many years ago who often said, “If it weren't for people…”.
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Sharing is Caring
Posted on 02 Oct 2017
Do you ever find that you can rationalize putting off important responsibilities because they may be painful or cause discomfort?
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Q and A: What is an annuity and how does it work?
Posted on 03 Jul 2017
A life annuity is a financial vehicle that allows you to exchange a lump sum of capital for a guaranteed income for as long as you live (or you and your spouse or partner lives).
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What's Right When Things Go Wrong?
By Brett Simpson on 03 Oct 2016
There are some risks that we take purely for the fun of it: skinny-dipping, roller coasters, even alcohol consumption. These risks range from fairly benign to potentially catastrophic.
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Your E-legacy
By Teresa Black Hughes on 01 Apr 2016
Almost forty years ago in 1977, personal computers made their entrance into our lives as “microcomputers” and in 1980, as “home computers” intended for the non-technical user.
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Human Capital and the Financial Life Cycle
Posted on 01 Jan 2016
Take a moment to think back to the day you got your first job. At that time, you likely had minimal financial assets and no real estate...
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The Miracle of Life Insurance
Posted on 01 Apr 2015
People may not want life insurance, but they do want what life insurance can provide.
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Case Study: Alter Ego Trusts
By Mark Neufeld on 02 Jan 2015
Many of my clients are single and/or widowed. I recently was working with one of my long-term clients in regard to her estate plan. She is a widow and holds significant non-registered investments of roughly $2,600,000.
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Philanthropy through Donor Advised Funds
By Linson Chen on 01 Oct 2014
Philanthropy often conjures up images of people with vast wealth and power; names such as Andrew Carnegie, John Rockefeller and Bill Gates often come to mind.
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Why a Corporate Executor can make Sense
By Teresa Black Hughes on 01 Oct 2014
The role of an executor is an important job and a serious responsibility. The executor must manage and dispose of estate assets, file tax returns, and tend to a variety of other tasks to wrap up the deceased’s affairs.
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Aligning your Goals
By Cecilia Tsang on 01 Apr 2014
Is your portfolio the result of your goals (or lack thereof)?
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Securing Your Children's Future
By Chris Eynon on 01 Jan 2014
My wife and I had a baby boy on August 5, 2011. He just turned two and shares his birthday with his grandmother Ann. Liam is my first child and my wife Rita’s second.
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Death and Taxes: Are They Really a Sure Thing?
Posted on 01 Jul 2013
Have you ever thought of the concept of immortality?
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It's our Anniversary!
Posted on 01 Jan 2013
Rogers Group Financial was founded in 1973 by Jim Rogers, so we are about to celebrate our 40th year in business!
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Beneficiary Designations – benefits and considerations
Posted on 21 Sep 2016
Individuals have the option to designate beneficiaries directly on assets such as registered plans, investment and insurance products and annuities. Electing this option results in the proceeds of an asset to by-pass the estate and flo
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Current Life Expectancy Numbers
Posted on 25 May 2016
In Canada, as in many countries around the world, our life expectancy continues to increase. In B.C., these rates are the highest of all the province— just slightly higher than the Canadian average.
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A Lifetime Gift for your Grandchildren
Posted on 18 Jul 2014
If you are a grandparent wishing to provide an asset for your grandchildren without compromising your own financial security, you may want to consider an estate planning application known as “Cascading Life Insurance” that will generat
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How much life insurance do I really need?
Posted on 16 Jun 2014
In determining how much life insurance one really requires, there are a number of factors that need to be examined. The need for life insurance can be divided into two categories – capital needs and income needs.
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Estate Planning Tips for Real Estate Investors
Posted on 14 Mar 2014
For many Canadians, the majority of their wealth is held in personally-owned real estate. For most, this will be limited to their principal residence; however, investment in recreational and real estate investment property also form a
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Segregated Funds - Investing with a Safety Net
Posted on 16 Jan 2014
Investing today is not for the faint of heart. Fortunately for Canadians, segregated fund products offered by many life insurance companies provide a safety net for nervous investors.
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Family Business Succession, Estate Equalization and Wills Variation Act
Posted on 18 Dec 2013
When dealing with the estate planning of a family business, it is particularly important to consider the issue of estate equalization. One of the common objectives in a family business succession plan is to treat the children fairly a
