Blog
Blog
Reflections, analysis, and strategy on financial planning in Quebec — for business owners, executives, and professionals.
Selling Your Quebec Business in 2026: What the New LCGE Changes
The lifetime capital gains exemption is now $1.25M per shareholder. How to structure the sale — and the family trust — to multiply the exemption.
Read articleRRSP or TFSA: What the Quebec $250K Executive Needs to Know
At 53% marginal today, 38% in retirement, the RRSP almost always wins. Here's when the TFSA still pulls ahead.
Read articleRetirement Decumulation Sequence: The $200,000 Decision
Wrong sequence — RRSP first, TFSA last — typical cost over 25 years: $150K-$250K. Here's the right sequence and why.
Read articleRRSP vs TFSA in 2026: Which to Prioritize for Your Situation
RRSP limit at $32,490, TFSA cumulative room around $102,000 for those eligible since 2009. The right choice depends mostly on your tax bracket today versus in retirement.
Read article5 Mistakes That Cost Dearly at Retirement
Underestimating inflation, mis-sequencing withdrawals, ignoring OAS clawback: the five mistakes that cost new Quebec retirees the most.
Read articleEstate Planning 101: Testamentary Trust, Mandate, Power of Attorney
Will, protection mandate, power of attorney, testamentary trust: four different tools, four distinct roles. When to use what, and what each costs in Quebec.
Read articleHow to Pay Less Tax in Quebec in 2026, Without Cheating
Lesser-known credits, pension splitting, RESP grants, strategic RRSP contributions: a tour of the most effective legal levers for 2026.
Read articleInflation and Your Portfolio: Surviving a Return to 4%+
Asset allocation, GICs versus equities, real-return bonds, real estate: how to build a portfolio that holds up under persistent inflation.
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