Estate Planning Checklist
The first step in developing or reviewing your estate plan is to look at your current situation, know where you are today, and assess what it is you want to do. An estate plan, like any plan, reflects your particular situation.

Flow Through Shares
Flow-through shares are special shares issued by oil, gas and mining exploration companies. These shares are tax shelters that offer special tax incentives. This is one way the federal government encourages resource exploration and development on properties in Canada.

Life Cycle of Retirement Planning
Planning for retirement can be such a broad term. What does planning for retirement really mean? Does it mean saving 10% of your income? Does it mean understanding your pension plan at work? Does it mean staying with the same company just so you can maximize your pension because it is the only way you are going to retire? Does retirement planning mean making sure you have enough income from the assets that you saved? Does retirement planning look at converting RRSPs to income? Is retirement planning about minimizing tax on your retirement income?

Universal Life Insurance
Universal Life has two components - term insurance which provides an inexpensive death benefit, and a flexible savings account which produces tax-free investment growth.