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The Shim Financial Group

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Articles & reports

Address 123 Commerce Valley Drive East Suite 100 Thornhill ON, L3T 7W8
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Articles & Reports

Articles

Business Transition Planning

Establishing a business and making it a success is not easy. Transitioning out of that business can be even more difficult. But, the decision to retire or move away from day-to-day management is one of the most important decisions you will make. A business transition plan is the first step in securing the future of your business and ensuring that your own personal retirement goals are met. Learn More

 

Universal Life

Any long-term investment planning strategy, especially in a highly-taxed country such as Canada, should take into consideration the effect taxes can have on your investments and your plans for the future. Universal life insurance is an attractive option to consider for just that reason – it accounts for the inevitability of both death and taxes. Learn More

 

Estate Planning and Wealth Preservation

The term "estate planning" continues to gain prominence these days. But many people may wonder exactly what this term encompasses. Estate planning is the process used to organize your affairs so that your goals are achieved both during your lifetime and after your death. Learn More

 

Planning for a Child's Education Costs

Recognizing the dramatically increasing costs of a university education, many people would like to start setting funds aside as soon as possible for minor children or grandchildren. And, of course, they would like to use the most tax-effective savings strategy possible. The strategy chosen often largely depends on their financial means, the children's ages and the length of time left to save. Learn More

 

Income Splitting Opportunities

To reduce the amount of tax paid by your household, there are several effective income splitting strategies that you may wish to consider. By using one or more of the following methods, you may be able to lower your annual household tax bill. Learn More

 

Flow-Through Limited Partnerships: Tax-Assisted Investments

Mining and oil & gas flow-through limited partnerships (the "Partnership") provide an opportunity for Canadian investors to participate in the resource sector while enjoying significant tax benefits. Learn More

 

Creating Retirement Income with Registered Assets

Registered Retirement Savings Plans (RRSPs) represent the most effective way to save for retirement. Subject to contribution rules and limits, you are allowed to defer income taxes each year on the amount that you contribute to your RRSP. Furthermore, you are able to tax shelter the compounding investment returns in your RRSP. Over time, these advantages can help you to accumulate a substantial pool of registered retirement assets. Learn More

 

Segregated Funds

CIBC Wood Gundy Financial Services offers a broad range of segregated funds issued by Canada's top insurance companies. Segregated funds are professionally managed investment funds that give investors the opportunity to build wealth while limiting their risk. Learn More

 

Tax Planning With TFSAs

Tax-Free Savings Accounts (TFSAs) were introduced in the 2008 federal budget and available to Canadians, beginning in 2009. According to the government, the TFSA is a "flexible, registered general-purpose savings vehicle that allows Canadians to earn tax-free investment income to more easily meet lifetime savings needs." Learn More

 

 
 
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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.


CIBC Private Wealth services are available to qualified individuals. The CIBC logo and “CIBC Private Wealth” are trademarks of CIBC, used under license.