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Category Archives: Zavitz Blog

When Life Insurance is More than JUST Life Insurance

Terry Zavitz

Terry Zavitz

 

Most of us know that life insurance pays a lump sum upon your death.  Some policies are temporary and bought in case you die unexpectedly (think mortgage protection, young kids, etc), while others are permanent and bought to assist with estate plans, liquidity, funerals, legacy and so on…because we all know we’re going to die one day, right?

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The Enhanced CPP and What It Means To You

 

Terry Zavitz

Terry Zavitz

January 1, 2019 marks the beginning of increased contributions to the CPP by employees and employers alike. This increase has been implemented with the goal of ensuring that Canadians are better prepared for retirement by ultimately receiving higher CPP payments. Currently, working Canadians and employers make CPP contributions of 4.95% on earned income between $3500 and $55,900.

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Introducing Humaniqa – Web-Based HR Solutions, Advice and Knowledge

 

Zavitz Insurance is continuously looking for new and exciting ways to bring value to our clients. With this in mind, we are pleased to announce the availability of a comprehensive web-based HR toolkit, powered by Humaniqa. 

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More Than Just Insurance

For nearly 35 years, the team at Zavitz Insurance has been providing diverse and innovative solutions for our clients – with guidance you can understand and tradition you can count on. Now Zavitz is bringing a holistic approach to your financial management, combining retirement and estate planning, investment services and insurance, all on one page. It’s a simplified way of managing all your interests using flexible, independent advisors with a reputation you can count on. At Zavitz, we have embraced the inevitable changes necessitated in the information age, and have prepared and staffed to meet those challenges. Though marketplaces and interests may shift, the standards and sensibilities applied by the professionals at Zavitz remain firmly rooted in traditional wisdom and unflappable dedication to the client. As partners in practice, business and life, Zavitz is with you every step of the way. 

In order to better serve our clients, we are expanding our financial services – now coordinating insurance, investments and financial planning – all from one shop. Through collaboration and expertise that compliments our own, we can now connect you with diverse financial professionals dedicated to one goal – your prosperity – and integrate them into your bigger financial picture. By collaborating with other specialists in the financial field, Zavitz provides a higher level of service. An alliance with Wealthsimple, for instance, has allowed us to provide a low-cost investment alternative when needed. Have your own advisors? We can work with them too! 

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

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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