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Author Archives: Justine Zavitz

What Have We Learned From Morneau’s Proposed Corporate Tax Changes?

change-ahead

Justine Zavitz

Justine Zavitz

Depending on where you get your information from, I am considered a Millennial or a Xennial. In my career, I have not experienced what I would consider to be extreme changes to the way various income is taxed. Sure, there have been increases in personal tax rates, decreases in corporate rates, various tax credits being enhanced or taken away and so on… but nothing as jolting as the proposals on changes to the taxation of CCPCs that we saw in July, 2017. 

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Family, Charity, and the CRA…Which Two Would You Choose?

charity

Justine Zavitz

Justine Zavitz

Most of us appreciate the role that taxes play in our lives and society, but as with any money we spend, we like to be cautious to make sure we’re not spending too much. For anyone who has sat down in a meeting with me, you know how excited I get about the amazing advantages that come with permanent life insurance policies. They are financial vehicles that help with accumulating assets, preserving assets,and transferring assets in an extremely tax efficient manner. 

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Who Likes Reward Points…and Apple Watches?

Extreme mountain bike sport athlete man riding outdoors lifestyle trail

 

Justine Zavitz

Justine Zavitz

As someone who frequently talks about life insurance, I always hear the phrase ” I won’t be the one benefitting from this, my kids (or husband/wife) will.” But Manulife is changing that; they have now created a product that rewards you…while you’re still alive! 

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The Rules Around Pot Smoking Have Gone Up in Smoke

Smoke 2

 

Justine Zavitz

Justine Zavitz

There has been a lot in the news lately with regards to the legalization of marijuana in Canada, the effectiveness of medicinal marijuana, and the research being done around whether or not there are health consequences if you consume marijuana. It is no different in the insurance world. Marijuana has been a hot topic and many carriers are changing their outlook.

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Assembling Your Team in 2016

Justine Zavitz

Justine Zavitz

Taking care of your financial health takes the same kind of comprehensive and collaborative approach that you would take when looking after your physical and mental well-being. Much like in medicine, financial professionals tend to have their own unique specialty.  Ours is insurance…but you will also want an accountant, lawyer, banker, investment advisor, and possibly others on your financial team. 

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