Richardson GMP

Businesses wasted no time: in their store windows, Christmas lights have quickly replaced Halloween decorations. It might be a little early to get into the holiday spirit, but it’s definitely time to think about your year-end tax planning!
This tactical exercise allows you to quickly take stock of your gains for the year and to look at “offsetting” measures to avoid paying too much in taxes. RRSP and TFSA contributions, charitable donations, income/dividend splitting or realising capital gains are a few tools that might be useful…if they are used before December 31st.
Don’t wait until the last minute to give us a call to reduce your 2016 tax burden!

Francis, Gilles & Josée

Retirement in Canada: a question of planning and perspective

Image source: Mike Powell/Getty Images

There are a number of factors to be considered in creating a successful retirement strategy, including your sources of income, target age, and the impact of investments and inflation. It can also be of benefit to put things in perspective by looking at the Canadian context compared to our neighbours to the south.

Read the guide and article

The Internet and privacy: setting an example for children

Let’s face it: when it comes to using the Web, there’s not much our kids can learn from us! They surf every day, quickly adapting to new devices and easily switching between multiple social media platforms. But, in terms of privacy protection, we still have a role as parents to help them avoid pitfalls.

Read the article

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You can read or re-read past editions on our website.


Francis Sabourin
Director, Wealth Management
Portfolio Manager
Tel.: 514.989.4844  • 
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Gilles Deraspe
Portfolio Manager
Tel.: 514.981.5770  • 
Sabourin Deraspe
Wealth Managemen
1250 René-Lévesque Blvd. West
Suite 1500
Montréal, QC  H3B 4W8

Email  • .Website


The opinions expressed in this report are the opinions of the author and readers should not assume they reflect the opinions or recommendations of Richardson GMP Limited or its affiliates. Assumptions, opinions and estimates constitute the author's judgment as of the date of this material and are subject to change without notice. We do not warrant the completeness or accuracy of this material, and it should not be relied upon as such. Before acting on any recommendation, you should consider whether it is suitable for your particular circumstances and, if necessary, seek professional advice. Past performance is not indicative of future results. The comments contained herein are general in nature and are not intended to be, nor should be construed to be, legal or tax advice to any particular individual. Accordingly, individuals should consult their own legal or tax advisors for advice with respect to the tax consequences to them, having regard to their own particular circumstances. Insurance services are offered through Richardson GMP Insurance Services Limited in BC, AB, SK, MB, NWT, ON, QC, NB, NS, PEI and NL. Additional administrative support and policy management are provided by PPI Partners. Richardson GMP Limited is a member of Canadian Investor Protection Fund. Richardson is a trade-mark of James Richardson & Sons Limited. GMP is a registered trade-mark of GMP Securities L.P. Both used under license by Richardson GMP Limited.