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The Money Management Newsletter -
Taxes & Estate Matters
The Companion Advisor - Taxes & Estates

Tax - A contribution for the support of a government required of persons, groups, or businesses within the domain of that government.
- A fee or dues levied on the members of an organization to meet its expenses.
- A burdensome or excessive demand; a strain.

Tax Planning
Tips & Guides
Tax planning tips
Tax planning for the family
Tax planning, 10 common mistakes
Tax planning tips - Mutual Funds
Site Resources
Tax Planning Checklist
Financial Tools
Adjusted Cost Base (ACB) Calculator

Poor tax planning decisions can have an adverse effect on every financial move you make so take a look at the Tax planning tips to get a head start. Tax planning for the family and Tax planning, 10 common mistakes can help you keep more of your hard-earned money in your pocket and out of the hands of the tax man.

The type of income you receive attracts deferent tax rates. Interest income, dividends and capital gains have varying levels of taxation or offset.

Contributing the maximum to your RRSP, is a simple way to save for the future and reduce your current income tax position.

If you have unused RRSP contribution room going back as far as 1991 and are in a high income year, utilizing the carry forward provision in the tax act could further enhance your savings and minimize taxes.

The spouse with the higher income can contribute an RRSP in the name of a lower income spouse - when withdrawn as eventual income, the tax rate will be that of the annuitant and not the contributor as long as spousal RRSP attribution rules are followed.

Forward thinking in regards to estate planning may spare your beneficiaries an added tax burden.

12 Tax Saving Strategies

Discover how to make the tax system work for you by using some easy to implement tax savings strategies.

Some key elements are deferring tax. Reducing or eliminating tax. Income-spliting opportunities. Understanding tax implications on your portfolio.
12 Tax-Saving

Articles, resources on Tax Planning

Investment and insurance planning along with the formation of an estate plan have an effect on how much tax is paid. The following links expand on this topic.

Money Management Newsletter

The ABC for ACB - Calculating the Adjusted Cost Base (ACB) for tax purposes

Alter ego & joint partner trusts in estate planning

How to revoke that Power of Attorney

How to make a GIC qualify for tax credit

Estate Planning Guide - Ten estate planning tips

What happens if there is no Will?

Exercise caution when trying to avoid probate costs

Look out for the PAR tax slip
The Companion Advisor

Death and taxes

Your tax return is filed - what happens now?

RRSP savings through reduced income tax

The more you make, the more you pay!

Compounding your tax refund for a richer future

A dollar is not a dollar

Taxes on Mutual Funds

Mutual Funds - Year end distributions tax tips

Our Bookstore section contains details related to books that we recommend for various areas of investing. Also provided are links to ordering information on each title from

Featured titles for tax planning include:

Winning the Tax Game: A Year-round Tax and Investment Guide for Canadians
Written by Tim Cestnick

Tax Information Links

The Canada Customs and Revenue Agency features plenty of reference material for tax related issues. Below are some links to information that may prove useful to you for tax planning purposes.

CCRA's tax page for individuals

CCRA's Interactive Information Service

NetFile: This transmission service allows you to file your personal income tax and benefit return directly to the Canada Customs and Revenue Agency using the Internet

TeleFile: A computer program that allows eligible individuals to electronically file their tax return for free using a touch-tone telephone.

T.I.P.S. Online: Find out the status of your tax refund, your 2001 RRSP deduction limit and more on-line using the T.I.P.S. Service.

For more links to relevant tax information, be sure to visit our Interweb section of the Knowledge Bank. Included there are links to various Major Accounting Firms.

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