Viewpoints by Tax, Retirement & Estate Planning Services Team, at Manulife Investment Management
Tax Retirement & Estate planning Services (TREPS) is a team of accountants, lawyers, and other specialists skilled in proactively identifying opportunities for advisors and clients within the changing regulatory and market environments. With extensive knowledge and experience in tax and legal matters related to investments and insurance, the TREPS team provides case-level advisor support while working with our sales teams on tax, estate planning, wealth accumulation, retirement planning, creditor protection, beneficiary, and ownership solutions for investment and insurance products
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2025 tax rate card for Canada
Need 2024 tax rates? We’ve got everything you need in one spot including combined federal and provincial marginal tax rates and tax brackets by taxable income source. Some of the most common non-refundable tax credits, EI and CPP/QPP contribution amounts, and OAS and CPP benefit amounts and much more!
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Individual pension plans and the family business
For business owners, an IPP can be a smart RRSP alternative. IPPs offer maximum pension income and maximum tax relief, and can be included in a succession plan.
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Registered retirement savings plan (RRSP)—the facts
This guide describes RRSPs and how the tax-deductible contributions you make to an RRSP will provide current tax savings. It also reviews how you can use your RRSP to create a sound retirement plan.
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Keeping the family cottage in the family
Passing on a family cottage? Half of any increase in value is taxable at death. This strategy protects against an estate having to sell a cottage to pay the tax.
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Cottage or home: which should be a principal residence?
Which property is best used as your principal residence for tax purposes? If you own more than one property you have choices, and may want to look at the tax consequences of claiming a cottage or other property as your principal residence. Learn more about your options and how to calculate the principal residence exemption.
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Common TFSA mistakes
Tax-Free Savings Accounts are a powerful tool for growing savings tax free. How to avoid common – and costly – mistakes, and harness their full potential.
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Registered retirement income—the facts
With all the changes that retirement brings, you need to make the best use of your RRSP savings to enjoy your retirement to its fullest. This booklet reviews the retirement income options available to you and allows you to explore in some detail those you find most appealing.
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RRSPs and RRIFs on death
What happens when an RRSP owner dies? At death, RRSPs and RRIFs are fully taxable. By naming a qualifying survivor as a beneficiary, tax can be deferred. There are many questions to answer about tax reporting at death. We discuss some common ones.
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Common wealth transfer mistakes (national edition)
Transferring assets to the intended beneficiaries doesn't always go as planned. Here are the common mistakes to watch out for.
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Common estate planning mistakes in Quebec
Transferring assets to the people you want in the way you want doesn't always go as planned. Here are the common mistakes to watch out for.
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