Blog & Knowledge Hub

At CI Assante Wealth Management we understand the importance of knowledge. That’s why we offer you a selection of blog articles on a variety of topics related to wealth management and financial planning. We also offer a series of financial tools and calculators. Enjoy your reading! Feel free to contact us in North Bay, Sturgeon Falls, or New Liskeard with any questions you may have.

Blog

How vacation property upgrades save tax

Anyone who owns a vacation property will eventually face a tax bill when the property is sold or transferred, assuming its value has...

Enjoy more income in retirement by minimizing the OAS clawback

The Old Age Security (OAS) program provides a guaranteed stream of income to Canadians in retirement – but those with taxable income...

Safeguarding your financial security

Life sometimes has its uncertainties. Major economic events, such as a deep recession, or personal challenges, such as job loss or...

Should you pay down the mortgage or invest?

It’s an age-old question. If you have surplus cash flow or receive a lump sum, such as a tax refund or annual bonus, are you better off...

Family matters

A great many of the situations that arise among family members involve not only personal issues but also a financial element. Managing a...

The Great Canadian Bucket List - An evening of Inspiration with Robin Esrock

Client Appreciation Event – April 24, 2025 On April 24th, we had the pleasure of hosting an unforgettable evening with bestselling...

Enjoy more income in retirement by minimizing the OAS clawback

The Old Age Security (OAS) program provides a guaranteed stream of income to Canadians in retirement – but those with taxable income...

How do you react to market highs?

Interestingly, when stock markets reach new highs, different investors may react in opposite ways. Some investors are elated and want to...

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Knowledge Hub

Financial Planning

Cash Flow — Get a better idea of where your money goes by creating a personal cash flow statement.

Net Worth — Calculate what you own and what you owe – an important step in planning your financial future.

Investor Profile — Understanding yourself as an investor is important when creating an effective investment portfolio.

Retirement Planning

Inflation and Retirement Income — Estimate how much more income you will need at retirement to maintain the standard of living that you have today.

Will the Money Last? — Estimate how long your retirement savings will last if you make regular, annual income withdrawals and factor in inflation.

RRIF Payment — Calculate your RRIF payment and see how long the funds with last.

TFSA vs RRSP — Find out how your marginal tax rate, and whether you invest or spend your RRSP tax refund, affects the growth of your TFSA or RRSP.

Education Planning

Start Education Planning Now — See how saving early can make a significant difference.

Tax Benefits of an RESP — Discover how tax sheltered growth in an RESP can build a post-secondary school education fund for your children.

Investing and Taxes

Savings Growth — Estimate the future value of your savings by changing the investment amounts, rates of return and years of growth.

Cost of Waiting to Invest — See how much more you will have in your retirement fund if you start investing now.

Real Rate of Return — This tool determines the real rate of return on a taxable investment after taking taxes and inflation into account, and illustrates what the investments will be worth, in after tax dollars.

RRSP Tax Savings — Estimate the tax savings on your RRSP contribution. You can enter three different amounts to compare the savings.

TFSA vs Taxable Investment — Discover the tax-free growth advantage of investing in a TFSA instead of taxable investment.

Income Tax — Estimate the taxes you owe based on your taxable income and the province you live in.

Hub