Estate Planning for Blended Families

Blended families – where two people get married but have children from previous relationships – are becoming more common. On top of the day-to-day challenges of blending a family, new spouses also have to figure out how to plan their estates, so everyone is properly taken care of. We cover all of the following a blended family must consider while estate planning: • Sharing the Family Home • Make the Most of a Registered Retirement Savings Plan • How to Share Non-Registered Investments and Other Assets • Why It's Important to Select a Good Trustee • The Advantages of Life Insurance for Blended Family Planning

Estate Planning for Business Owners

What happens when the children grow up and they are no longer dependent on their parents? What happens to your other "baby"- the business? Estate planning for business owners deals with the personal and business assets.

10 Essential Decisions for Business Owners

Business owners are busy… they’re busy running a successful business, wearing lots of hats and making a ton of decisions. We've put together a list of 10 essential decisions for every business owner to consider.

Estate Freeze

An estate freeze can be an integral part of your estate planning strategy. The purpose of an estate freeze is to transfer any future increase in your business's value (generally shares) that you own to someone else.

NEWS + SUPPORT

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

resources

Understanding Registered Education Savings Plans (RESPs) in Canada

Dive into the details of Registered Education Savings Plans (RESPs)! This guide covers how RESPs work, eligibility criteria, benefits, and government grants such as the Canada Education Savings Grant. Learn how to open an RESP and safeguard your child's educational future.
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Understanding Tax-Free Savings Accounts (TFSAs)

A Tax-Free Savings Account is a powerful tool to help you achieve your financial goals. Whether you're saving for a new home, planning for retirement, or investing in your children's education, a TFSA can be a valuable part of your financial strategy. The flexibility and tax advantages it offers make it a great choice for many Canadians. Remember, the sooner you start, the more time your investments have to grow tax-free. Every dollar counts when you're planning for the future, and a TFSA can help you make the most of your savings. Don't wait until tomorrow to start planning for your future. Contact us today to begin your journey to financial security today.
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Demystifying MER’s (Management Expense Ratio)

Investing in a fund involves knowing its associated costs, and the Management Expense Ratio (MER) is a crucial factor to consider. The MER is a percentage of the total assets in the investment fund that covers the fund's operating and management costs. It's important to note that the MER is subtracted from your investment returns, so a higher MER will result in lower net returns for you. For example, if a fund's expenses amounted to 2% of its assets, its MER would be 2%. It's crucial to understand the MER of a fund to make informed investment decisions and ensure that you're getting the most value for your money. In this article and infographic, we will break down the various components of the MER to help you better understand it.
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Surrey Office

604-596-7188
info@creststonewealth.com

210 – 5455 152nd St
Surrey, BC
V3S 5A5

KELOWNA OFFICE

250-860-8389
info@creststonewealth.com

1100-1631 Dickson Ave
Kelowna, BC
V1Y 0B5

ABOUT

Creststone Wealth is a financial planning, investing + insurance firm located in British Columbia, serving clients across Canada.

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OUR DEALER

Insurance products, including segregated fund policies and health insurance are offered through Creststone Wealth, and Investment Representatives Stephen Cameron, Gail Winzoski, Rochelle Noren, Terry Sorensen and Bharpur Singh Gill offer mutual funds and referral arrangements through Quadrus Investment Services Ltd.

Quadrus Investment Services Ltd. and design are trademarks of Quadrus Investment Services Ltd. Used with permission.