Who Pays the Claim for Condo Owners?
A Look at Whose Insurance Policy Pays on Strata Property With the high cost of single-family homes in BC and the increased availability of attractive, lower-cost condominiums, more and more …
Are You Protected in an Earthquake?
Earthquakes are devastating events, as we were all reminded by the terrible tragedy in central Italy just last week. Regions of British Columbia, especially along the coast, are at risk …
How to Protect Yourself from Overland Water Damage
The newest type of must-consider insurance for homeowners and, in most cases, condo owners and renters, protects against damage caused by “overland water,” which includes sudden accumulation from heavy rain, spring …
Keep More of Your Money
At the beginning of the year most people make resolutions to eat better and exercise more. We are now well into February and how many of you are on track with …
Give Yourself the Gift of Financial Freedom
Christmas and the holiday season of giving are upon us. Have you considered the gift that you give yourself? The most important and lofty gift of all is to be free …
Prepare an Effective Defense with Disability Insurance
In the average football game the ball is snapped between 120 and 140 times as 250-300 pound highly trained men viciously fight to get to the ball carrier. Imagine what it …
Kicking the Spook Out of Life Insurance
In the days leading up to Halloween the stores, the ads, and the culture all embrace the idea of ‘death as entertainment’. Nothing could be less entertaining than leaving your family …
How to Structure a Buy/Sell Agreement
One of the most devastating things that can happen to a business is the death of a significant shareholder, especially when it is a small partnership with only two or three …
Options for Funding a Buy/Sell Agreement
A major consideration in structuring a Buy/Sell Agreement for dealing with the potential of the death of a shareholder is ensuring that the remaining shareholders have the financial means to pay …
Understanding Spousal Rollovers
According to tax law, assets may be rolled over or transferred to a spouse with no immediate tax implications. This is known as a spousal rollover. Essentially, the spouse will assume …
