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Disability Insurance and Other Living Benefits
The 1990’s witnessed the end of job creation in the sectors that historically purchased disability insurance. A new era has begun: roughly 1 million contract workers have emerged. They are found in almost all industries and occupations. As diverse as the general public – there is an equal number of men and women, many highly educated, others not, with wide-ranging earnings levels and all in need of disability and other healthcare benefits.
Insurers have responded by unbundling disability insurance and expanding their
offerings to include critical illness, health, drug, dental, travel, and other classless, non-
income based products.
The author, Jacqueline Figas, looks at disability insurance and other living benefits in the
context of the realities faced in today’s challenging work and lifestyle environment.
Included in this edition: - Health benefits planning for pre and post-retirement years
- Traditional products and coverage for specialized markets
- Insuring “temps” and “independent contractors”
- Critical illness insurance
- Private health and dental insurance
- Checklists, charts and other planning tools
Jacqueline is a benefits consultant through her company, Health Assured Financial Group and has over 30 years of experience in health benefits. She is a noted speaker and author on seniors’ issues and benefits planning for an aging clientele.
She is a Chartered Life Underwriter, a Registered Health Underwriter, and an Elder Planning Counselor, and is on the faculty of Seneca College where she educates on a range of aging issues including both health and social aspects of aging.
She is the author of the Long Term Care Insurance training module produced by ADVOCIS under their Registered Health Underwriter (RHU) Designation Program. Her published works through CCH Canadian Limited include “The Aging Client and Long-Term Care Issues” and “Disability Insurance and Other Living Benefits”.
Available March 1st, 2009 – Pre-order your copy today! or here.
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Estate Planning with Life Insurance, 4th Edition
This popular guide provides critical insight into the many roles life insurance plays in Estate Planning. This book will demonstrate how life insurance can assist your clients in securing lifetime financial success and establishing a strong legacy. This handy reference includes: - A comprehensive Estate Planning Fact Finder
- How to resolve and plan for estate liquidity needs
- The role of corporate-owned life insurance in estate and business planning
- Detailed strategies for funding buy/sell agreements
- Insurance needs and succession planning for owners of family businesses
- The use of life insurance in planning with trusts
- Methods of leveraging life insurance
New for this 4th Edition: - Discussion of new CRA policies and case law affecting life insurance
- Revised commentary on charitable giving including new opportunities
for donation of life insurance policies - Expanded section on corporate taxation including new dividend tax rules
- Tax planning strategies for transferring personally owned insurance
policies to a corporation - New sections on partnership agreements and on analyzing disability
buy/sell agreements - Impact of new bankruptcy legislation on creditor protection for insurance products
- Expanded and enhanced case studies, worksheets and charts
Glenn Stephens was called to the Ontario Bar in 1982 and spent two years with a major accounting firm before joining the insurance industry as a tax and estate planning consultant. Glenn subsequently became a partner in a Toronto law firm before returning to the insurance industry in 1996 as a tax and estate planning consultant to a major Canadian insurance distributor. In 2004, Glenn joined the PPI Financial Group as a Planning Services Consultant, where he provides tax and legal support to PPI Associates across Canada. Glenn has lectured and written extensively on the subjects of estate planning, taxation and life insurance. He is an editor of CLU Comment and a contributing editor of Insurance Planning (published by Federated Press). If you would like more details about this product, or would like to order a copy online, please click here.
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The Advisor's Guide to Business Succession Planning, 3rd Edition
A comprehensive guide that helps financial advisors initiate and plan for their clients' business succession.
Legal, tax, insurance, and financial implications are discussed. Practical and analytical, this book focuses on the personal and
emotional issues involved, potential obstacles, and solutions.
Topics covered:
- New for this edition: Planning for the advisor's own practice – Including FREE Practice Analyst CD
- Getting started
- Family-owned businesses
- Identification of appropriate buyers
- Determination of clients' key motivators
- Insurance
- Small business gains exemption
- Business valuation
- Circumstances of sale, such as retirement, disability, or death
Errors were discovered in a chart in Chapter Two, Selling at Retirement of The Advisor's Guide to Business Succession Planning.
Below is the corrected chart for Vendor Financing on page 15. We apologize for any inconvenience that this error may have caused.
Correction to Vendor Financing Cash Flow Chart, Chapter Two – Page 15
| Year |
Interest Income |
Capital Gains |
SBGE Available |
Total Taxable |
Tax at 40% |
| 1 |
60,000 |
200,000 |
100,000 |
110,000 |
44,000 |
| 2 |
55,448 |
200,000 |
100,000 |
105,448 |
42,179 |
| 3 |
50,623 |
200,000 |
100,000 |
100,623 |
40,249 |
| 4 |
45,508 |
200,000 |
here.
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The Aging Client and Long Term Care
This book from Elder Planning expert Jacqueline Figas examines the aging client,
beginning with relevant societal issues, physical changes and cognitive changes through
to their eventual needs as consumers of health and social services. Jacqueline explains
how many things have changed that render the past as an unlikely predictor of future
client needs and offers a holistic approach to financial planning for the older client that
incorporates long-term care considerations.
This critical resource includes: - Understanding the aging client
- How their needs will change over time
- How housing options impact the planning process
- Evaluating LTC insurance
- How to select the right policy for your client
- Plan design considerations
- The essentials of underwriting this unique risk
- Numerous checklists, charts and resources
Jacqueline has over 30 years of industry experience, with most of her background specializing in
the area of health benefits. She is a noted speaker and author on seniors’ issues and benefits
planning for an aging clientele.
In addition to running her personal insurance practice, Health Assured Financial Group,
Jacqueline serves as Chairman of the Board of Directors of the Oakville Senior Citizens
Residence, a supportive housing initiative owned by the Ontario Housing Corporation. She is a
Chartered Life Underwriter, a Registered Health Underwriter, and an Elder Planning Counselor,
and is on the faculty of Seneca College where she educates on a range of aging issues including both health and social aspects related to aging.
She is the author of the Long Term Care Insurance training module produced by ADVOCIS under
their Registered Health Underwriter (RHU) Designation Program. Her published works through
CCH Canadian Limited include “The Aging Client and Long-Term Care Issues” and “Disability
Insurance and Other Living Benefits”. Click here If you would like more details about this product, or would like to order a copy online, please click here.
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Financial Advisor's Pocket Reference - English 2009-2010
The popular Financial Advisor's Pocket Reference booklet is intended as a portable reference source with targeted information most used by financial professionals.
Topics Include:
- Investing
- Saving Money
- Taxation
- Employment
- Life and Health Insurance
- Old Age Security
- Maximum Monthly Benefits
- Average housing costs
- Government web sites
Only $12.95 per copy and attractive discounts for larger orders, including English and French combined orders.
Click here to request more information on bulk orders.
Related Products
If you would like more details about this product, or would like to order a copy online, please click here.
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Financial Advisor's Pocket Reference - English 2011-2012
This handy and popular booklet provides financial advisors with the information needed on the tax and financial components of many life situations.
Includes details and information on:
- Retirement Planning
- Personal Tax
- Estate Planning
- Pensions and Benefits
- Budget Highlights
- Insurance
- Consumer Index
- Government Programs
Only $14.90 per copy and attractive discounts for larger orders, including English and French combined orders.
Click here to request more information on bulk orders.
Related Products
- Financial Advisor's Pocket Reference – French 2011-2012
If you would like more details about this product, or would like to order a copy online, please click here.
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Financial Advisor's Pocket Reference - French 2009-2010
The French version of our popular Financial Advisor's Pocket Reference booklet is intended as a portable reference source with targeted information most used by financial professionals.
Topics Include:
- Investing
- Saving Money
- Taxation
- Employment
- Life and Health Insurance
- Old Age Security
- Maximum Monthly Benefits
- Average housing costs
- Government web sites
Only $12.95 per copy and attractive discounts for larger orders, including English and French combined orders.
Click here to request more information on bulk orders.
Related Products
If you would like more details about this product, or would like to order a copy online, please click here.
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Livret de référence des services financiers 2011-2012
Parfait pour les rencontres de clients!
Ce livret utile et des plus populaires offre aux conseillers financiers l'information dont ils ont besoin sur les composantes fiscales et financières de plusieurs situations de vie.
Ce livret renferme des détails et de l'information sur les sujets suivants :
- Planification de la retraite
- Planification successorale
- Faits saillants des budgets
- Indice des prix à la consommation
- Impôt sur le revenu des particuliers
- Pensions et prestations
- Assurance
- Programmes gouvernementaux
Tout ça présenté dans un ouvrage en format poche très pratique.
Disponible en français et en anglais.
Payez seulement 14,90 $ par livret et profitez de rabais alléchants si vous commandez des quantités plus importantes, incluant les commandes combinées d'exemplaires français et anglais.
Communiquez avec nous dès aujourd'hui par téléphone ou par courriel pour obtenir de plus amples renseignements sur les commandes personnalisées ou les offres groupées.
1-800-268-4522 ou fp_updates@cch.ca
Ajoutez simplement votre logo ou personnalisez entièrement votre page couverture.
Les commandes de livrets personnalisés doivent être reçues avant le 16 septembre 2011.
If you would like more details about this product, or would like to order a copy online, please click here.
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Financial Planning Education for Accountants Bundle
Why we created Financial Planning Education for Accountants : A Fast Track to the CFP® Examination
Your clients require help in managing their personal finances. They need complete financial planning services and who is better positioned to provide that service than you? As their accountant, you've earned your client's trust and respect. Helping them to manage their retirement and wealth is a natural step forward. By offering complete personal financial services, you'll serve their needs better, while enhancing your business practice. The modular curriculum of our accredited CFP Education Program enables you to focus on topics that are least familiar or where you may require an update. This saves you time. Accountants with three years of related industry experience may qualify to challenge FPSC’s CFP Examination. If so, you can use this educational product to fully prepare to earn your CFP designation. You can also use it simply to add to and update your financial planning knowledge for everyday use.
Content: There are a total of 19 modules provided in the CCH/Advocis CFP qualifying program. Ten modules are strongly recommended for accountants. They include areas of personal financial services that you may not have studied recently, or at all, or encountered in prior work experience. These topics were selected by accounting experts and survey respondents. They stated that having this knowledge would help them add significant value for their clients. There are also nine optional modules which present the remaining topics covered in the FPSC CFP Examination Blueprint.
Self-study and Online Self-Testing: In addition to receiving four bound volumes of printed educational content, you obtain online access to the testing portion of the qualifying program. With two opportunities to test yourself over a period of one year, you’ll know what to review further and when you are ready to sit for the CFP Examination.
Significant savings: Four complete texts and one year of self-testing for $795. If you qualify to challenge the CFP Examination, you can obtain this learning at half of the price of the full registration fees of the complete qualifying program..
If you would like more details about this product, or would like to order a copy online, please click here.
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CCH/Advocis FPSC-approved Capstone Course, 1st Edition
CCH, in partnership with Advocis, provides this study text for use in the CFP® Education Program. The contents within the text, the module tests, and the comprehensive financial plan are designed to prepare course registrants to write the Financial Planning Examination 2 (FPE2) administered by Financial Planners Standards Council (FPSC).
CCH/Advocis FPSC-approved Capstone Course also comes bundled with the FPSC’s Financial Planning Case Studies, Series 1.
Student-friendly
The CCH/Advocis FPSC-approved Capstone Course gives students all the materials required to summarize and integrate the core curriculum learning and prepare for the FPE2 exam.
- Current, concise and accurate materials
- All assignment materials have been carefully prepared and tested
- Program delivery format is designed to complement individual learning styles
- Cases provide excellent examples of real-life financial planning situations, similar to the FPSC cases
- The program is designed to give students a framework for excellence and to provide a strategic advantage in the marketplace
- A relationship with CCH allows you to tap into the authoritative research tools and leading edge solutions that professionals use everyday in their practices
This course begins with a profile of the Canadian financial planning industry, reviews the FPSC Code of Ethics, Practice Standards, the CFP® Professional Competency Profile, and the FPE2 Examination Blueprint. Six modules provide an excellent summary of the Competency Profile technical knowledge covered in the core curriculum courses. Module 27 offers examination writing techniques and practice questions. The final module of the course provides the student with several integrative case studies and practice in applying the concepts in the text.
M20 – The Financial Planning Industry
M21 – Taxation Planning
M22 – Risk Management and Insurance
M23 – Asset Management
M24 – Retirement Planning
M25 – Estate Planning
M26 – Financial Management
M27 – Path to the CFP Certification and CFP Examination
M28 – FPSC Financial Plan and Case Studies
Successful completion of the Capstone course qualifies the student for the FPSC Financial Planning Examination 2 (FPE2).
About CCH’s financial planning educational software
Each text includes two CDs. Disc 1 holds oneSource, CCH’s reference library for advisors. The educational version of this extensive electronic research library gives you a wealth of planning information, including the bas If you would like more details about this product, or would like to order a copy online, please click here.
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The Advisor's Guide To Business Succession Planning, 4th Edition
Introducing the 4th edition of The Advisor’s Guide To Business Succession Planning, a truly comprehensive guide that features all the information you need to give your clients the advice they need.
Co-authored by Malcolm Scarratt and James Kraft, two leading business succession and estate planning specialists, this popular guide focuses on all the important topics – from legal, tax, insurance and financial implications to personal and emotional issues that may be involved throughout the planning process.
In The Advisor’s Guide To Succession Planning, you will learn all about:
- Getting started
- Insurance
- Family owned-businesses
- Succession planning for the advisor
- Small business gains and exemptions
- Identification of appropriate buyers
- Business valuation
- Determination of clients’ key motivators
- Circumstances of sale, such as retirement, disability or death.
The 4th edition reflects new market realities.
Expanded and updated, the new edition of The Advisor’s Guide To Business Succession Planning takes everything a step further. It includes valuable information on:
- New options for buyout structures due to changes to the dividend taxation rules
- Finding creative financing alternatives due to market volatility and changing lending practices by banks
- ‘Escape Hatch’ planning.
What’s more, the 4th edition features a new section that helps answer the question: Am I better off retaining ownership?
Plus, it includes an expanded chapter focused on the Advisor’s own practice. There is even a handy Business Succession Planning Checklist that will make the planning process much easier.
Order your copies today.
If you would like more details about this product, or would like to order a copy online, please click here.
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Dave's Test (EN) (IGNORE)
The Corporate Toolkit is a comprehensive collection of tax research materials, designed to save you time and money. This toolkit covers federal income tax, GST/HST, provincial tax and corporate tax return preparation. You'll enjoy instant access to expert tax commentary and to important documents not available on public websites. The Corporate Toolkit offers you industry-leading information at a price that fits any budget.
For more information contact your account manager today.
TEL: 1-800-268-4522
TEL: 416-224-2248
Email: cservice@cch.ca
The core components of your toolkit:
- Canadian Income Tax Act and Regulations, with expert annotations
- Canadian Excise Tax Act, annotated by CCH, and Regulations
- CRA Technical Interpretations (under "Tax Window Files") and GST/HST Headquarters Letters
- CRA Interpretation Bulletins
- CRA Information Circulars
- The full suite of GST/HST CRA publications
- CRA Federal income tax and GST/HST forms and guides
- Key tax treaties
- Insightful and actionable tax commentary and analysis on federal income tax and GST/HST
- Customizable updates to fit your schedule
- The latest version of the exhaustive corporate tax preparation guide, Preparing Your Corporate Tax Returns® (electronic version)
Choose the provincial tax package that is most relevant to you. Each package contains extensive legislation, commentary, government documents and case law.
- Ontario Tax Reporter
- Atlantic Tax Reporter (NS/NB/PEI/NL)
- Quebec Tax Reporter
- Alberta & Territories, British Columbia, and Manitoba & Saskatchewan Tax Reporters
Or if your practice requires a national view, choose all Provincial tax reporters.
Click here for more details about the Corporate Toolkit.
If you would like more details about this product, or would like to order a copy online, please click here.
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FP Solutions
Why we created Financial Planning Education for Accountants: A Fast Track to the CFP(TM) Examination. Your clients require help in managing their personal finances. They need complete financial planning services and who is better positioned to provide that service than you? As their accountant, you've earned your client's trust and respect. Helping them to manage their retirement and wealth is a natural step forward. By offering complete personal financial services, you'll serve their needs better, while enhancing your business practice. The modular curriculum of our accredited CFP™ Education Program enables you to focus on topics that are least familiar or where you may require an update. This saves you time. Accountants with three years of related industry experience may qualify to challenge FPSC’s CFP™ Examination. If so, you can use this educational product to fully prepare to earn your CFP(TM) designation. You can also use it simply to add to and update your financial planning knowledge for everyday use.
Content: There are a total of 19 modules provided in the CCH/Advocis CFP(TM) qualifying program. Ten modules are strongly recommended for accountants. They include areas of personal financial services that you may not have studied recently, or at all, or encountered in prior work experience. These topics were selected by accounting experts and survey respondents. They stated that having this knowledge would help them add significant value for their clients. There are also nine optional modules which present the remaining topics covered in the FPSC CFP™ Examination syllabus.
Self-study and Online Self-Testing: In addition to receiving four bound volumes of printed educational content, you obtain online access to the testing portion of the qualifying program. With two opportunities to test yourself over a period of one year, you’ll know what to review further and when you are ready to sit for the CFP™ Examination.
Significant savings: Four Complete Texts and one year of self-testing for $795. If you qualify to challenge the CFP Examination, you can obtain this learning at about half of the price of the full registration fees of the complete qualifying program..
In-class Instruction: Contact us or Ashton College, one of our CFP™ Education Program academic partners, to determine when this program is offered.
Recommended Modules: The following highly recommended modules are included in print and online testing: M 3- Legal Fundamentals and Family Law; M 4- Government Sponsored Benefit Programs; M 8- Professional Standards and Financial Industry; M 9- Risk Management- Fundamentals, Health, and Property & Casualty; M 10- Risk Management- Life Insurance and Living Benefits; M 11- Registered Pension Plans; M 14- Retirement Planning; M 16- Investments- Products; M 17- Investment Planning; M 19- Estate Planning.
Opti If you would like more details about this product, or would like to order a copy online, please click here.
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oneSource, The Financial Planner's Search Engine
oneSource
Special Offers available for Association Members and Affinity Program Partners. Is your firm participating? Call to check: 1-800-268-4522.
Whatever you need to know about Wealth Management And Estate Planning, you'll find it in this one comprehensive source. With a key word searchable database, you'll find it faster and easier than you can imagine. With Internet updating, you'll know about any news and changes as soon as they are reported. When you subscribe to this database, you'll also receive free subscriptions to two electronic newsletters: The Estate Planner and the Wealth Management Times.
Topics include:
- Complete retirement and estate planning, including tax planning strategies
- Investment planning & products including alternative investments
- Will, trusts and pension plans
- Full tax and taxation issues including U.S. information
- Comprehensive insurance information
- CRA Bulletins & Information Circulars
- Legal, Compliance and Finance matters
- Business Succession Planing
- Immigration and Emigration
Features:
- Keyword and phrase searches make information retrieval quick and easy
- Hypertext links walk you through legislation, commentary and government forms and checklists
- Copy, paste and print functions allow you to use information in your own client materials, newsletters or Web pages
- The subscription is updated frequently so you stay current and up-to-date on all the topics you need to know
If you would like more details about this product, or would like to order a copy online, please click here.
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