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MacEwan Wealth Management

  • Home
  • About Us
  • What We Do
    • Our Investment Process
    • Financial Planning
    • Estate Planning
    • CIBC Private Banking
  • Market Insights
  • Knowledge And Education
    • Investing 101
    • Tax Tips From Jamie Golombek
  • Contact us
  • Blog

Tax Tips From Jamie Golombek

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Tax Tips From Jamie Golombek

Jamie Golombek

It's 2025: Do you know what your tax rate is?

This report will help you understand how your income is taxed and why the “advertised” tax rate isn’t always what you end up paying. Jamie Golombek

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Jamie Golombek

Should I sell or should I hold? Capital Gains Tax Planning

The planned increase in the capital gains inclusion rate announced in the 2024 federal budget (Budget) has created a frenzy of discussion, worry and anxiety, and, in some cases, the opportunity to get ahead of the change by doing some proactive planning. Here’s what’s happening, who may be impacted, and what you can do about it.

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2025 Tax Tool Kit

Discover Jamie’s top tax tips for investors, plus 2025 tax tables, rates and much more in the CIBC Tax Toolkit.

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Jamie Golombek

Five ways to minimize your 2025 tax bill

Five ways to minimize your 2025 tax bill The start of the year is the perfect time to review your tax minimization strategies for the year ahead. Here are five things to consider in 2025. Jamie Golombek Managing Director, Tax and Estate Planning, CIBC Private Wealth

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Jamie Golombek and Scott McGillivray

Proposed changes to capital gains take effect later this month. Are you ready?

In the 2024 federal budget, the Canadian government proposed changes to the capital gains tax inclusion rate that will take effect June 25, 2024. As tax planning is an integral part of your finances, these changes may affect several aspects of your wealth plan from real estate holdings and investment strategies to legacy gifting and estate planning. I’m pleased to share the latest Ask the Experts video featuring Jamie Golombek, Managing Director, Tax and Estate Planning, CIBC Private Wealth along with real estate investor and media personality Scott McGillivray. In the video, they answer some key questions about how the proposed changes to the capital gains inclusion rate may affect your real estate holdings and investment properties.

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Your T5008 - Statement Of Securities Transactions

If you had any disposition transactions during the year, your tax package includes a T5008/Relevé18, Statement of Securities Transactions, which reports details of security positions that were sold, redeemed or matured during the 2022 tax year.

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Jamie Golombek

Gifting Securities

If you want to make a gift to your favorite charity and save more on your taxes, then consider donating publicly traded securities. The government encourages these donations by completely eliminating the tax on the capital gains on the securities that were gifted to a registered Canadian charity, including a donor advised fund.

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Jamie Golombek

FHSA: Tax-free First Home Savings Account Overview

In November 2022, the government released amended draft legislation to implement the new Tax-Free First Home Savings Account (FHSA). The FHSA is proposed to launch as early as April 1, 2023, so to get you prepared, here’s a brief summary of how this new registered plan will work.

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Jamie Golombek

The estate plans of effective people

The term estate planning conjures images of wealthy philanthropists living out their retirement years on a tropical island, sipping pinã coladas, while managing a plethora of family trusts and private foundations. In truth, estate planning is important for everyone, not just the rich. If you have any assets at all, you need an estate plan so these assets go to the people you care about. Herewith, a 10-step guide to an effective estate plan. Jamie Golombek Managing Director, Tax and Estate Planning, CIBC Private Wealth

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Jamie Golombek

What’s up dock? Tax & estate planning for your vacation property

During the summer months, many families spend time together away from the hustle and bustle of daily living and retreat to one of the “four Cs” of summer: the cabin, condo, chalet or cottage. Unbeknownst to you, however, is that lurking under the surface of your idyllic retreat may be a host of tax and estate planning issues that, if not tackled early on, could not only cost you (or your heirs) a lot of cash but, in extreme cases, could force the sale of the recreational property that may have been in your family for generations. With some professional advice and some advance planning, however, you may be able to mitigate some of these potential problems. Jamie Golombek Managing Director, Tax and Estate Planning, CIBC Private Wealth

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Jamie Golombek

Your U.S. vacation property could be quite taxing

Many Canadians own vacation properties in foreign countries, such as the U.S. Though your vacation property may be located beyond Canada's borders, that doesn't mean that it's outside the reach of the tax authorities. If you are a Canadian resident who owns a U.S. vacation property, taxation becomes more complex because you will have to consider both Canadian and U.S. taxes at each of these stages. With proper planning, however, you can minimize the impact of taxes on your vacation home so that you can enjoy it for years to come. Jamie Golombek Managing Director, Tax and Estate Planning, CIBC Private Wealth

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Jamie Golombek

The RRSP, the TFSA and the Mortgage

The RRSP, the TFSA and the mortgage: Making the best choice. Which one to choose? Jamie Golumbek, or Tax and Estate Planning expert gives you the facts to help you make the best decision for your personal situation.

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Jamie Golombek

When an RRSP beneficiary faces a tax liability

Did you know that an RSP beneficiary has a potential tax liability? Jamie Golombek, our Tax and Estate Planning Expert explains in this report.

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Jamie Golombek

Why TFSAs may beat RRSPs as better retirement savings

Blinded by the “refund”: Why TFSAs may beat RRSPs as better retirement savings vehicles for some Canadians. A Tax Free Savings Account (TFSA) can be a powerful retirement savings tool, yet some individuals may be reluctant to use it. Canadians who are fixated on the immediate gratification of the “tax refund” associated with Registered Retirement Savings Plan (RRSP) contributions often sock money away in their RRSPs at the expense of TFSA contributions and may be shortchanging themselves come retirement time. Jamie Golombek Managing Director, Tax and Estate Planning, CIBC Private Wealth

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Matthew MacEwan

Book A Review

Whether you are a looking for a second opinion or just wanting more information about your investments, we are here to help!

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CIBC Private Wealth” consists of services provided by CIBC and certain of its subsidiaries through CIBC Private Banking; CIBC Private Investment Counsel, a division of CIBC Asset Management Inc. (“CAM”); CIBC Trust Corporation; and CIBC Wood Gundy, a division of CIBC World Markets Inc. (“WMI”). CIBC Private Banking provides solutions from CIBC Investor Services Inc. (“ISI”), CAM and credit products. CIBC Private Wealth services are available to qualified individuals. Insurance services are only available through CIBC Wood Gundy Financial Services Inc. In Quebec, insurance services are only available through CIBC Wood Gundy Financial Services (Quebec) Inc.


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