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    When and Why You Should Conduct an Insurance Audit

    November 1, 2022
    As our lives grow and change with variable circumstances, new additions, and job transitions, our needs for insurance will also evolve. Additionally, economic fluctuations and external circumstances that influence your insurance policy will need frequent re-evaluation to ensure that you are making the most appropriate and financially favorable decisions. Talk to us we can help.
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    Estate Planning for Business Owners

    April 1, 2022
    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.
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    Why Should I Review My Life Insurance?

    November 1, 2021
    It’s important to review your life insurance regularly to ensure your policy is up-to-date and see if you require any coverage changes. Here are some reasons you may need to update your life insurance: • You’ve gotten married or divorced or had a baby. • You’ve changed jobs. • You’ve taken on some debt. • You’re supporting additional family members. • You’ve bought a new home. • A loved one has a change in their health.
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    When should I buy life insurance?

    October 1, 2021
    Life insurance is something you can use at any age. Whether you’re in your 20s or approaching retirement, you can benefit from having life insurance. Our article, “When should I buy life insurance”? can help you understand: • What the two main types of life insurance are – term and permanent • When term insurance is better for you and when permanent insurance is • How life insurance can benefit you at different ages • What costs life insurance can help your loved ones’ cover
    https://creststonewealth.com/wp-content/uploads/2021/10/When-should-i-buy-life-insurance.jpg 281 500 CRESTSTONE Wealth https://creststonewealth.com/wp-content/uploads/2021/05/creststone-logo-550.png CRESTSTONE Wealth2021-10-01 06:00:002021-10-01 14:00:05When should I buy life insurance?

    Do you REALLY need life insurance?

    September 1, 2021
    You most likely do, but the more important question is, What kind? Whether you’re a young professional starting out, a devoted parent or a successful CEO, securing a life insurance policy is probably one of the most important decisions you will have to make in your adult life. Most people would agree that having financial safety nets in place is a good way to make sure that your loved ones will be taken care of when you pass away. Insurance can also help support your financial obligations and even take care of your estate liabilities.
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    Accessing Corporate Earnings

    August 2, 2021
    One of the financial planning issues that business owners face is how to access their corporate earnings in a tax efficient way. Please contact us to learn how we can get more money in your pocket than in the government's.
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    Federal Budget 2023 Highlights

    March 29, 2023
    On March 28, 2023, the Federal Government released their 2032 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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    British Columbia 2023 Budget Highlights

    March 1, 2023
    On February 28, 2023, the B.C. Minister of Finance announced the 2023 budget. We have highlighted the most important financial measures you need to know: • Tax credit changes. • Increases to the B.C Family Benefit. • Carbon tax changes. • Other important tax changes. • Healthcare and housing spending.
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    TFSA versus RRSP – What you need to know to make the most of them in 2023

    February 3, 2023
    When looking to save money in a tax-efficient manner, Tax-Free Savings Accounts (TFSA) and Registered Retirement Savings Plans (RRSP) can offer significant tax benefits. The main difference between the two is that TFSAs are ideal for short-term goals, such as saving for a down payment on a house or a vacation, as its growth is entirely tax-free, while RRSPs are more suitable for long-term goals such as retirement. When comparing deposit differences, TFSAs have a limit of $6,500 for the current year, while RRSPs have a limit of 18% of your pre-tax income from the previous year, with a maximum limit of $30,780. In terms of withdrawals, TFSAs have no conversion requirements and withdrawals are tax-free, while RRSPs must be converted to a Registered Retirement Income Fund (RRIF) at age 71 and withdrawals are taxed as income.
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    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.

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