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Retirement Planning for Business Owners

Retirement Planning for Business Owners

by Mercator Financial | May 31, 2022 | Blog, Business Owners, Corporate, retirees, RRSP, tax, Tax Free Savings Account

Retirement planning can be a complex process for us all, but if you are the owner of a small business it may get even more complicated, due to the various factors and circumstances that you have to take into consideration. A common mistake made by small business...

Recent Posts

  • Investing as a Business Owner 2023
  • How to Make the Best of Inheritance Planning
  • Federal Budget 2023 Highlights
  • Estate Planning for Retirees and Mature Families
  • Financial Planning

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Keep up to date with the latest news and helpful websites that share important information related to your business and retirement needs.

Investing as a Business Owner 2023

Investing as a Business Owner 2023

by Mercator Financial | May 27, 2023 | 2023, Blog, Business Owners, Corporate, Investment

Many business owners have built up earnings in their corporation and are looking for tax efficient ways to pull the earnings out to achieve their personal and business financial goals. We outline the factors to consider when investing as a corporation.

How to Make the Best of Inheritance Planning

How to Make the Best of Inheritance Planning

by Mercator Financial | May 2, 2023 | Blog, Charitable Gifting, estate planning, Family, Investment

Inheriting an unexpected, or even an anticipated, lump sum can fill you with mixed emotions – if your emotional attachment to the individual who has passed away was strong then you are likely to be grieving and the thought of how to handle your new-found wealth can be overwhelming and confusing but also exciting. One of the best pieces of advice in this situation is to give yourself some time before making any binding financial decisions. The temptation to quickly put the money to so-called ‘good use’ or to rush out and spend it can be strong but you must allow the news to sink in and also take some time to consider your options before you embark on the process of dealing with the inheritance. In the short term, put the money away in a high interest savings account and take time to research and think carefully about your financial goals and objectives and how this inheritance can help you to secure and maximize your financial future in the best way.

Federal Budget 2023 Highlights

Federal Budget 2023 Highlights

by Mercator Financial | Mar 30, 2023 | 2023, Blog, Business Owners, dental benefits, Family, Financial Planning, Individuals

On March 28, 2023, the Federal Government released their 2023 budget. This article highlights the following financial measures:

• New transfer options associated with Bill C-208 for intergenerational transfer.
• New rules for employee ownership trusts.
• Changes to how the Alternative Minimum Tax is calculated.
• Improvements to Registered Education Savings Plans.
• Expanding access to Registered Disability Savings Plans.
• Grocery rebate.
• Deduction for tradespeople tool expenses.
• Automatic tax filing.
• New Canadian Dental Care Plan.

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Mercator Financial

 

1- 877-575-0587

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250 Central Avenue North- Suite 3

Swift Current, SK, S9H 0L2

 

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Manulife Securities Investment Services Inc.

T: (306) 778-6611 | Fax: (306) 778-7644

Manulife Securities Incorporated

T: (306) 778-0730 | Fax: (306) 778-0731 



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MERCATOR FINANCIAL
250 Central Avenue North – Suite 3 Swift Current, SK S9H 0L2 | Toll Free: 1-877-575-0587

Mutual funds are offered through Manulife Securities Investment Services Inc. Stock Bonds and mutual funds offered through Manulife Securities Incorporated. Insurance products and services offered through Mercator Financial Inc. Manulife Securities is an indirectly, wholly-owned subsidiary of Manulife Financial Corporation (MFC). MFC owns The Manufacturers Life Insurance Company (MLI), a financial services organization offering a range of protection, estate planning, investment and banking solutions through a multi-channel distribution network. MLI owns Manulife Securities Incorporated, Manulife Securities Investment Services Inc. and Manulife Securities Insurance Inc. MLI also owns Manulife Bank of Canada, a federally chartered Schedule 1 bank, which in turns owns Manulife Trust Company, a federally chartered trust company. Please confirm with your advisor which company you are dealing with for each of your products and services. Financial Planning offered through Mercator Financial Inc. and Manulife Securities Incorporated. Financial Planning services offered by Manulife Securities Investment Services Inc. which holds the Certified Financial Planners designation. Financial Planning services offered by Manulife Securities Incorporated who hold the Certified Financial Planners designation. Banking products and services are offered by referral arrangements through our related company Manulife Bank of Canada. The Manulife Bank Advantage Account is offered by Chad MacLeod, Norm Tonnies, Travis Cuthbert, Juan Cabrales and Mark Jensen through referral arrangement with their Insurance business Mercator Financial Inc. and is separate from Manulife Securities Investment Services Inc. product offerings. Please confirm with your Advisor which company you are dealing with for each of your products and services. 

This publication contains opinions of the writer and may not reflect opinions of Manulife Securities Incorporated or Manulife Securities Investment Services Inc. The information contained herein was obtained from sources believed to be reliable, but no representation, or warranty, express or implied, is made by the writer or Manulife Securities Incorporated or Manulife Securities Investment Services Inc. or any other person as to its accuracy, completeness or correctness. This publication is not an offer to sell or a solicitation of an offer to buy any of the securities. The securities discussed in this publication may not be eligible for sale in some jurisdictions. If you are not a Canadian resident, this report should not have been delivered to you. This publication is not meant to provide legal or accounting advice. As each situation is different you should consult your own professional Advisors for advice based on your specific circumstances.

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