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Doug Higgins, CFP
Doug Higgins, CFP
CERTIFIED FINANCIAL PLANNER® Professional

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Personal Wealth and Finance


Investor Insight


Avoid the Old Age Security (OAS) Clawback

The Old Age Security (OAS) clawback, officially known as the OAS recovery tax, reduces the amount of OAS pension you receive if your income exceeds a certain threshold. To avoid or minimize the OAS (Old Age Security) clawback in 2025, …

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Unknown


Mindful Finances

Mindfulness guides our best financial decisions. Dr Ellen J. Langer is the author of the classic book Mindfulness which details years of study of behaviour related to mindful thinking versus unmindful paradigms that form our reality. How we invest for …

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Life Insurance


What is Disability Insurance?

Often called “Income Replacement Insurance”, this coverage is important for self-employed individuals

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Registered Investments


Understanding transferring RRSPs to RRIFs.

RRSP Maturity Strategies: You are allowed to contribute to your RRSP up until December 31 of the year that you turn 71, at which point your RRSP must be closed. Instead, you can select any or a combination of: transferring …

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Investor Insight


RRSP and TFSA REVIEW 2025

What are some differences between a Tax-Free Savings Account (TFSA) and a Registered Retirement Savings Plan (RRSP)? The tax benefits of the Tax-Free Savings Account (TFSA) The TFSA is a registered savings account that makes it easy for Canadian taxpayers …

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Estate View


7 ways life insurance protects your financial foundation

Life insurance has been called the foundation of your net worth. If you have a spouse or children, the initial stages of your financial strategy should include adequate life insurance coverage.

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Life View


What is taxable in an estate?

After the death of an individual, every estate must file a final (or 'terminal') tax return. All assets are deemed to be disposed of at time of passing, and this can trigger probate fees and other expenses.

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Financial Viewpoint


Getting down to the essentials of your financial goals

An advisor will work to help you achieve an investment plan. You must anticipate change and reflect on your specific financial goals and objectives while considering your level of investment risk tolerance. Your plan should be flexible enough to anticipate …

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Investor Insight


Why is portfolio strategy important?

Understanding your risk tolerance: Each of us has a personal level of risk tolerance, which indicates how much risk one is willing to take while investing in markets that always go up and down. Your advisor can help you set …

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Financial Viewpoint


Life insurance business strategies

Financial products and services address specific needs in your financial plan and help you build a successful business. As an advisor, I can access a broad range of insurance, investment, employee disability, and group benefits to help meet your individual …

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Estate View


The Big Problem of Estate Capital Gains Tax

You and your heirs may think that all of your assets will pass over to them tax free. Let's examine how estate taxation can erode the value of one's property and cause business succession problems

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