Financed Estate and Business Succession Planning Strategies By: William

In the changing world of risk management, traditional forms of are fast becoming as quaint a notion as pay phones. Demographic bulges shaped by longer spans - along with the brisk pace of globalization and a relentlessly sophisticated, demanding marketplace - are driving the industry to develop more intricate and responsive forms of coverage known as "Living Benefits. " And while the market for traditional products seems to have flattened out, sales of living benefits such as income replacement and critical illness are booming.

is all about risk. is the art of hedging against the multiple risks we all face as we move through our lives. "Even the best designed financial plans for individuals, families and their businesses face three fundamental risks," says Bill Strain, executive vice-president with PPI Financial Group. The family breadwinners may die too soon, become disabled, or live too long.

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Tax Sheltering With every investment there is always a tax

Will Planning Techniques The will is one of the most

, which Company do I deal with? Contract &

We are a Canadian Financial services organization specializing in advanced Tax sheltering, Wealth Accumulation Planning, Estate Planning & Business Succession, and Retirement Planning. Although our approaches work for all Canadians, they are most effectiv

About Us    Founder    Keith L. Hatton,  CEO  of HFI Financial

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Introduction , Accident & Sickness Any necessary combination

An Overview of Consulting Services HFI Benefits Inc. is dedicated

Products  Tax Sheltering tax-shelter is a plan issued by

Critical Illness   More and more Canadians are surviving

, Accident & Sickness Any necessary combination can be

Segregated Funds Segregated Funds (Seg's) are a type of investment

Charitable giving strategy for Shareholders Summary This Memorandum outlines a

RRSP and RRIF General Rules RRSPs Earnings are tax sheltered

Frequently Asked Questions "What are your qualifications?" "What experience do

Risk Analysis Our role in the counselling process is one

CFP FAQ's What do the letters "CFP" mean? Why is

A recent publication noted that tile owner of a non registered segregated fund contract could not "roll" mutual that contract to a surviving spouse. Rather, the deceased owner would realize a deemed disposition of' the segregated fund interest and incur the resulting income tax liability. This result is vastly different than the result for the owner of that cousin of segregated funds. mutual funds. While the published statement is true, the following comments should help clarify the situation.

Critical Illness and disability Download the PDF

Employee Benefit Plans: Ballooning health care costs, an aging population

Estate Planning & Business Succession Introduction to Estate Planning The