None
of the tax plan for the rich is baked into stocks yet.
ELIMINATING SOME INCOME TAX ADVANTAGES On July 18, 2017, the Federal Department of Finance announced proposed changes to the Income Tax Act (the ITA) in Canada that are intended to «level the playing field» by removing certain tax advantages that for decades have been part
of tax planning for many family - owned businesses operating through private -LSB-...]
Let us take care
of your tax planning for your business so you can focus on what's important.
Not exact matches
Trump's
plan proposes a new
tax rate
of 25 percent
for the pass - through income
of «small and family - owned businesses.»
Ian DiNovo,
tax YouTuber and founder
of DiNovo Associates, shares his top advice
for helping small businesses
plan ahead
WASHINGTON — The chairman
of the Republican Study Committee, North Carolina Rep. Mark Walker, said Rep. Rodney Frelinghuysen should step down as chairman
of the House Appropriations Committee
for voting against the final version
of the GOP
tax reform
plan that passed Tuesday afternoon.
Important factors that could cause actual results to differ materially from those reflected in such forward - looking statements and that should be considered in evaluating our outlook include, but are not limited to, the following: 1) our ability to continue to grow our business and execute our growth strategy, including the timing, execution, and profitability
of new and maturing programs; 2) our ability to perform our obligations under our new and maturing commercial, business aircraft, and military development programs, and the related recurring production; 3) our ability to accurately estimate and manage performance, cost, and revenue under our contracts, including our ability to achieve certain cost reductions with respect to the B787 program; 4) margin pressures and the potential
for additional forward losses on new and maturing programs; 5) our ability to accommodate, and the cost
of accommodating, announced increases in the build rates
of certain aircraft; 6) the effect on aircraft demand and build rates
of changing customer preferences
for business aircraft, including the effect
of global economic conditions on the business aircraft market and expanding conflicts or political unrest in the Middle East or Asia; 7) customer cancellations or deferrals as a result
of global economic uncertainty or otherwise; 8) the effect
of economic conditions in the industries and markets in which we operate in the U.S. and globally and any changes therein, including fluctuations in foreign currency exchange rates; 9) the success and timely execution
of key milestones such as the receipt
of necessary regulatory approvals, including our ability to obtain in a timely fashion any required regulatory or other third party approvals
for the consummation
of our announced acquisition
of Asco, and customer adherence to their announced schedules; 10) our ability to successfully negotiate, or re-negotiate, future pricing under our supply agreements with Boeing and our other customers; 11) our ability to enter into profitable supply arrangements with additional customers; 12) the ability
of all parties to satisfy their performance requirements under existing supply contracts with our two major customers, Boeing and Airbus, and other customers, and the risk
of nonpayment by such customers; 13) any adverse impact on Boeing's and Airbus» production
of aircraft resulting from cancellations, deferrals, or reduced orders by their customers or from labor disputes, domestic or international hostilities, or acts
of terrorism; 14) any adverse impact on the demand
for air travel or our operations from the outbreak
of diseases or epidemic or pandemic outbreaks; 15) our ability to avoid or recover from cyber-based or other security attacks, information technology failures, or other disruptions; 16) returns on pension
plan assets and the impact
of future discount rate changes on pension obligations; 17) our ability to borrow additional funds or refinance debt, including our ability to obtain the debt to finance the purchase price
for our announced acquisition
of Asco on favorable terms or at all; 18) competition from commercial aerospace original equipment manufacturers and other aerostructures suppliers; 19) the effect
of governmental laws, such as U.S. export control laws and U.S. and foreign anti-bribery laws such as the Foreign Corrupt Practices Act and the United Kingdom Bribery Act, and environmental laws and agency regulations, both in the U.S. and abroad; 20) the effect
of changes in
tax law, such as the effect of The Tax Cuts and Jobs Act (the «TCJA») that was enacted on December 22, 2017, and changes to the interpretations of or guidance related thereto, and the Company's ability to accurately calculate and estimate the effect of such changes; 21) any reduction in our credit ratings; 22) our dependence on our suppliers, as well as the cost and availability of raw materials and purchased components; 23) our ability to recruit and retain a critical mass of highly - skilled employees and our relationships with the unions representing many of our employees; 24) spending by the U.S. and other governments on defense; 25) the possibility that our cash flows and our credit facility may not be adequate for our additional capital needs or for payment of interest on, and principal of, our indebtedness; 26) our exposure under our revolving credit facility to higher interest payments should interest rates increase substantially; 27) the effectiveness of any interest rate hedging programs; 28) the effectiveness of our internal control over financial reporting; 29) the outcome or impact of ongoing or future litigation, claims, and regulatory actions; 30) exposure to potential product liability and warranty claims; 31) our ability to effectively assess, manage and integrate acquisitions that we pursue, including our ability to successfully integrate the Asco business and generate synergies and other cost savings; 32) our ability to consummate our announced acquisition of Asco in a timely matter while avoiding any unexpected costs, charges, expenses, adverse changes to business relationships and other business disruptions for ourselves and Asco as a result of the acquisition; 33) our ability to continue selling certain receivables through our supplier financing program; 34) the risks of doing business internationally, including fluctuations in foreign current exchange rates, impositions of tariffs or embargoes, compliance with foreign laws, and domestic and foreign government policies; and 35) our ability to complete the proposed accelerated stock repurchase plan, among other thin
tax law, such as the effect
of The
Tax Cuts and Jobs Act (the «TCJA») that was enacted on December 22, 2017, and changes to the interpretations of or guidance related thereto, and the Company's ability to accurately calculate and estimate the effect of such changes; 21) any reduction in our credit ratings; 22) our dependence on our suppliers, as well as the cost and availability of raw materials and purchased components; 23) our ability to recruit and retain a critical mass of highly - skilled employees and our relationships with the unions representing many of our employees; 24) spending by the U.S. and other governments on defense; 25) the possibility that our cash flows and our credit facility may not be adequate for our additional capital needs or for payment of interest on, and principal of, our indebtedness; 26) our exposure under our revolving credit facility to higher interest payments should interest rates increase substantially; 27) the effectiveness of any interest rate hedging programs; 28) the effectiveness of our internal control over financial reporting; 29) the outcome or impact of ongoing or future litigation, claims, and regulatory actions; 30) exposure to potential product liability and warranty claims; 31) our ability to effectively assess, manage and integrate acquisitions that we pursue, including our ability to successfully integrate the Asco business and generate synergies and other cost savings; 32) our ability to consummate our announced acquisition of Asco in a timely matter while avoiding any unexpected costs, charges, expenses, adverse changes to business relationships and other business disruptions for ourselves and Asco as a result of the acquisition; 33) our ability to continue selling certain receivables through our supplier financing program; 34) the risks of doing business internationally, including fluctuations in foreign current exchange rates, impositions of tariffs or embargoes, compliance with foreign laws, and domestic and foreign government policies; and 35) our ability to complete the proposed accelerated stock repurchase plan, among other thin
Tax Cuts and Jobs Act (the «TCJA») that was enacted on December 22, 2017, and changes to the interpretations
of or guidance related thereto, and the Company's ability to accurately calculate and estimate the effect
of such changes; 21) any reduction in our credit ratings; 22) our dependence on our suppliers, as well as the cost and availability
of raw materials and purchased components; 23) our ability to recruit and retain a critical mass
of highly - skilled employees and our relationships with the unions representing many
of our employees; 24) spending by the U.S. and other governments on defense; 25) the possibility that our cash flows and our credit facility may not be adequate
for our additional capital needs or
for payment
of interest on, and principal
of, our indebtedness; 26) our exposure under our revolving credit facility to higher interest payments should interest rates increase substantially; 27) the effectiveness
of any interest rate hedging programs; 28) the effectiveness
of our internal control over financial reporting; 29) the outcome or impact
of ongoing or future litigation, claims, and regulatory actions; 30) exposure to potential product liability and warranty claims; 31) our ability to effectively assess, manage and integrate acquisitions that we pursue, including our ability to successfully integrate the Asco business and generate synergies and other cost savings; 32) our ability to consummate our announced acquisition
of Asco in a timely matter while avoiding any unexpected costs, charges, expenses, adverse changes to business relationships and other business disruptions
for ourselves and Asco as a result
of the acquisition; 33) our ability to continue selling certain receivables through our supplier financing program; 34) the risks
of doing business internationally, including fluctuations in foreign current exchange rates, impositions
of tariffs or embargoes, compliance with foreign laws, and domestic and foreign government policies; and 35) our ability to complete the proposed accelerated stock repurchase
plan, among other things.
Furthermore, the
plan calls
for just three
tax brackets,
of 10 percent, 25 percent and 35 percent (higher than the highest 28 percent AMT
tax).
Alternatively, if your child needs to pay
taxes, they can save all or part
of their income to help pay
for college expenses in a Roth IRA or Section 529 college savings
plan.
Other proposals include a carbon
tax on gasoline sales, limiting deductibility
of state
taxes for businesses by imposing the same caps that now apply to individuals, and
taxing generous employer - provided health care
plans.
«Which
tax proposal is better
for you depends on your income level,» said Tim Steffen, director
of advanced
planning at Robert W. Baird in Milwaukee.
Green: Their
plan for job creation rests on a suite
of sustainable - development pledges, wage increases and targeted
tax cuts.
This summer, Clinton released details
of that
plan, which would include
tax credits up to two years
for businesses that include profit sharing as part
of their employee compensation.
The protectionist sentiment and general uncertainty around U.S. President Donald Trump's economic
plans, including the potential
for a border - adjustment
tax, is another reason why the Bank
of Canada remains worried about exports.
A cash reserve can cover costs in the interim, while you're waiting
for profits, and also help in
planning for taxes that may catch you off guard and take a chunk out
of the money you were
planning to use on other expenses.
The House and Senate are currently working on separate
tax overhaul
plans in hopes
of passing a bill
for President Donald Trump to sign by year - end.
The election
of Donald Trump as president sparked an exodus from the US Treasury market in the final months
of 2016 and early 2017 as investors prepared
for the possibility that Trump's
plans for a protectionist trade policy,
tax cuts, deregulation, and massive infrastructure spending would bring inflation back to the US.
Trump also floated a possible
plan for paying
for the wall: a 20 %
tax imposed on importers
of the stuff that is made in Mexico and shipped to the U.S.
On Thursday, President Trump floated a possible
plan to pay
for a wall between Mexico and the U.S. — a 20 %
tax imposed on importers
of the stuff that is made in Mexico and shipped to the United States.
The
plan would collapse the seven current individual
tax brackets into just three, and would lower the capital - gains rate
for all investments, regardless
of duration.
Keith Parker, a strategist at UBS who has a 3,300 target on the S&P 500
for 2018, said only 35 - to - 45 percent
of the
tax plan is priced into the market, noting the index's recent gains have been mostly a product
of better - than - expected economic data and strong earnings.
The election
of Donald Trump as president sparked an exodus from the Treasury market in the final months
of 2016 as investors began to price in the possibility that Trump's
plans for a protectionist trade policy,
tax cuts, and massive infrastructure spending would bring back inflation to the US.
«The overall economic
plan consists
of massive
tax cuts and
tax reform, regulatory relief, and renegotiating trade deals, and with that, we will unlock the economic growth that has been held back
for too long in this country.»
But he also revealed
plans to promote consumption by converting federal fleets to natural gas, offering
tax incentives to transport companies
for converting their vehicles, and creating five highway corridors, each with a string
of natural gas fuel stations.
But she also stresses creating the environment
for long - term economic growth, which is why a significant increase to the capital - gains
tax for investments less than six years in duration is at the center
of her
plan.
For instance, if you're seeking help with a broad range
of financial issues, ranging from how to invest or fine - tune your
tax planning to choosing the right amount
of life or disability insurance or ensuring that your estate
plan matches your desires, I would say that your best bet is to find a certified financial planner.
There's a lot
of hoopla surrounding President Trump's new
tax plan, which is reportedly considering capping pre-
tax 401 (k) contributions at $ 2,400 a year, a far cry from the current maximum contribution
of $ 18,000
for 2017, and $ 18,500
for 2018.
Last week, the House narrowly approved a Senate version
of the 2018 federal budget, clearing the path
for the Republican - controlled Senate to pass its
tax reform
plan later this year.
While Congress is in the hands
of a Republican majority, getting Democrats to go along with cutting
taxes for the wealthiest Americans — as is Trump's
plan — will be a tough sell; while the Republicans control the Senate, the Democratic minority could filibuster bills they don't like.
What's more, while 95 percent
of small businesses are organized as pass - throughs (based on 2014 Treasury Dept. data) rather than traditional C - corporations, the CNBC / SurveyMonkey Small Business Survey found the most support (68 percent)
for the
tax plan among C - corps — which would receive the flat corporate
tax - rate reduction to 20 percent.
The non-partisan
Tax Policy Center has analyzed both candidates» tax plans and concluded that Trump's will cut personal taxes for everyone, with the very top earners — more than $ 699,000 a year — seeing average annual tax reductions of about $ 215,0
Tax Policy Center has analyzed both candidates»
tax plans and concluded that Trump's will cut personal taxes for everyone, with the very top earners — more than $ 699,000 a year — seeing average annual tax reductions of about $ 215,0
tax plans and concluded that Trump's will cut personal
taxes for everyone, with the very top earners — more than $ 699,000 a year — seeing average annual
tax reductions of about $ 215,0
tax reductions
of about $ 215,000.
The time to think about
tax season isn't at the first
of the year — it's all year long, and these five strategies can help any small business
plan for a simpler
tax season with fewer headaches.
As it turns out, people with higher income levels are more likely than those
of modest means to opt
for HSA - qualified health
plans, because they are less concerned by the potential out -
of - pocket medical costs and more interested in the
tax savings, according to Fronstin at EBRI.
The average homeowner receives $ 1,823 a year through programs such as
tax - free capital gains on the sale
of principal residences and the Home Buyers
Plan that lets first - time buyers withdraw money from their RRSPs
for downpayment.
The GOP
plan would cut the
tax of this foreign - earned income to 12 percent
for cash and 5 percent
for non-cash.
A Roth 401 (k) isn't always better financially —
for example, if you work in a high -
tax state now but
plan to retire in a lower -
tax state in the future — but
for the majority
of Americans, the Harvard study shows a Roth 401 (k) leads to increased spending power in retirement.
For all the talk
of reform, the Republican
tax plan leaves many
tax - avoidance schemes untouched.
The absolute first thing to do is to contact your CPA or
tax provider and set up a
plan of action to make sure your finances are in good shape
for this coming
tax season — leverage their expertise to help you.
«At a time when young adults and families are struggling more than ever to pay
for higher education, they simply can't afford to have more financial support eliminated by this
tax plan,» said Reid Setzer, Young Invincibles» director
of government affairs.
For investors worried that the market is pinning too much on tax - reform prospects — especially as the GOP announced it had to delay by at least one day the release of its plan, which had been scheduled for Wednesday — sectors bets being placed by those with $ 1 million or more in brokerage accounts don't show an overreliance on any single fact
For investors worried that the market is pinning too much on
tax - reform prospects — especially as the GOP announced it had to delay by at least one day the release
of its
plan, which had been scheduled
for Wednesday — sectors bets being placed by those with $ 1 million or more in brokerage accounts don't show an overreliance on any single fact
for Wednesday — sectors bets being placed by those with $ 1 million or more in brokerage accounts don't show an overreliance on any single factor.
K.T. Rama Rao, a moderator
of one
of the panels that Ivanka participated in, and the minister
for IT and several other industries in the state
of Telangana, went so far as to say he hoped the
tax plan would pass.
When you take money out
of your
tax - advantaged 401 (k)
plan before age 59 - and - a-half, you're not only liable
for tax on it but you'll also face another 10 percent penalty on the amount.
Individuals with a net worth
of close to or more than $ 11 million ($ 22 million
for couples) can still lower the
tax hit to their heirs with the use
of trusts and estate -
planning strategies.
The federal government limits
tax - deductible contributions to retirement
plans;
for most
plans, such as 401 (k) programs, the maximum amount you can receive in contributions in 2016 is $ 53,000 if you're under the age
of 50, and $ 59,000 if you're eligible to make «catch - up» contributions.
We'll get to the Medicaid reductions shortly, but a figure that epitomizes what's at the heart
of the
plan is the fall in spending on
tax credits
for purchasing insurance.
Such risks, uncertainties and other factors include, without limitation: (1) the effect
of economic conditions in the industries and markets in which United Technologies and Rockwell Collins operate in the U.S. and globally and any changes therein, including financial market conditions, fluctuations in commodity prices, interest rates and foreign currency exchange rates, levels
of end market demand in construction and in both the commercial and defense segments
of the aerospace industry, levels
of air travel, financial condition
of commercial airlines, the impact
of weather conditions and natural disasters and the financial condition
of our customers and suppliers; (2) challenges in the development, production, delivery, support, performance and realization
of the anticipated benefits
of advanced technologies and new products and services; (3) the scope, nature, impact or timing
of acquisition and divestiture or restructuring activity, including the pending acquisition
of Rockwell Collins, including among other things integration
of acquired businesses into United Technologies» existing businesses and realization
of synergies and opportunities
for growth and innovation; (4) future timing and levels
of indebtedness, including indebtedness expected to be incurred by United Technologies in connection with the pending Rockwell Collins acquisition, and capital spending and research and development spending, including in connection with the pending Rockwell Collins acquisition; (5) future availability
of credit and factors that may affect such availability, including credit market conditions and our capital structure; (6) the timing and scope
of future repurchases
of United Technologies» common stock, which may be suspended at any time due to various factors, including market conditions and the level
of other investing activities and uses
of cash, including in connection with the proposed acquisition
of Rockwell; (7) delays and disruption in delivery
of materials and services from suppliers; (8) company and customer - directed cost reduction efforts and restructuring costs and savings and other consequences thereof; (9) new business and investment opportunities; (10) our ability to realize the intended benefits
of organizational changes; (11) the anticipated benefits
of diversification and balance
of operations across product lines, regions and industries; (12) the outcome
of legal proceedings, investigations and other contingencies; (13) pension
plan assumptions and future contributions; (14) the impact
of the negotiation
of collective bargaining agreements and labor disputes; (15) the effect
of changes in political conditions in the U.S. and other countries in which United Technologies and Rockwell Collins operate, including the effect
of changes in U.S. trade policies or the U.K.'s pending withdrawal from the EU, on general market conditions, global trade policies and currency exchange rates in the near term and beyond; (16) the effect
of changes in
tax (including U.S. tax reform enacted on December 22, 2017, which is commonly referred to as the Tax Cuts and Jobs Act of 2017), environmental, regulatory (including among other things import / export) and other laws and regulations in the U.S. and other countries in which United Technologies and Rockwell Collins operate; (17) the ability of United Technologies and Rockwell Collins to receive the required regulatory approvals (and the risk that such approvals may result in the imposition of conditions that could adversely affect the combined company or the expected benefits of the merger) and to satisfy the other conditions to the closing of the pending acquisition on a timely basis or at all; (18) the occurrence of events that may give rise to a right of one or both of United Technologies or Rockwell Collins to terminate the merger agreement, including in circumstances that might require Rockwell Collins to pay a termination fee of $ 695 million to United Technologies or $ 50 million of expense reimbursement; (19) negative effects of the announcement or the completion of the merger on the market price of United Technologies» and / or Rockwell Collins» common stock and / or on their respective financial performance; (20) risks related to Rockwell Collins and United Technologies being restricted in their operation of their businesses while the merger agreement is in effect; (21) risks relating to the value of the United Technologies» shares to be issued in connection with the pending Rockwell acquisition, significant merger costs and / or unknown liabilities; (22) risks associated with third party contracts containing consent and / or other provisions that may be triggered by the Rockwell merger agreement; (23) risks associated with merger - related litigation or appraisal proceedings; and (24) the ability of United Technologies and Rockwell Collins, or the combined company, to retain and hire key personn
tax (including U.S.
tax reform enacted on December 22, 2017, which is commonly referred to as the Tax Cuts and Jobs Act of 2017), environmental, regulatory (including among other things import / export) and other laws and regulations in the U.S. and other countries in which United Technologies and Rockwell Collins operate; (17) the ability of United Technologies and Rockwell Collins to receive the required regulatory approvals (and the risk that such approvals may result in the imposition of conditions that could adversely affect the combined company or the expected benefits of the merger) and to satisfy the other conditions to the closing of the pending acquisition on a timely basis or at all; (18) the occurrence of events that may give rise to a right of one or both of United Technologies or Rockwell Collins to terminate the merger agreement, including in circumstances that might require Rockwell Collins to pay a termination fee of $ 695 million to United Technologies or $ 50 million of expense reimbursement; (19) negative effects of the announcement or the completion of the merger on the market price of United Technologies» and / or Rockwell Collins» common stock and / or on their respective financial performance; (20) risks related to Rockwell Collins and United Technologies being restricted in their operation of their businesses while the merger agreement is in effect; (21) risks relating to the value of the United Technologies» shares to be issued in connection with the pending Rockwell acquisition, significant merger costs and / or unknown liabilities; (22) risks associated with third party contracts containing consent and / or other provisions that may be triggered by the Rockwell merger agreement; (23) risks associated with merger - related litigation or appraisal proceedings; and (24) the ability of United Technologies and Rockwell Collins, or the combined company, to retain and hire key personn
tax reform enacted on December 22, 2017, which is commonly referred to as the
Tax Cuts and Jobs Act of 2017), environmental, regulatory (including among other things import / export) and other laws and regulations in the U.S. and other countries in which United Technologies and Rockwell Collins operate; (17) the ability of United Technologies and Rockwell Collins to receive the required regulatory approvals (and the risk that such approvals may result in the imposition of conditions that could adversely affect the combined company or the expected benefits of the merger) and to satisfy the other conditions to the closing of the pending acquisition on a timely basis or at all; (18) the occurrence of events that may give rise to a right of one or both of United Technologies or Rockwell Collins to terminate the merger agreement, including in circumstances that might require Rockwell Collins to pay a termination fee of $ 695 million to United Technologies or $ 50 million of expense reimbursement; (19) negative effects of the announcement or the completion of the merger on the market price of United Technologies» and / or Rockwell Collins» common stock and / or on their respective financial performance; (20) risks related to Rockwell Collins and United Technologies being restricted in their operation of their businesses while the merger agreement is in effect; (21) risks relating to the value of the United Technologies» shares to be issued in connection with the pending Rockwell acquisition, significant merger costs and / or unknown liabilities; (22) risks associated with third party contracts containing consent and / or other provisions that may be triggered by the Rockwell merger agreement; (23) risks associated with merger - related litigation or appraisal proceedings; and (24) the ability of United Technologies and Rockwell Collins, or the combined company, to retain and hire key personn
Tax Cuts and Jobs Act
of 2017), environmental, regulatory (including among other things import / export) and other laws and regulations in the U.S. and other countries in which United Technologies and Rockwell Collins operate; (17) the ability
of United Technologies and Rockwell Collins to receive the required regulatory approvals (and the risk that such approvals may result in the imposition
of conditions that could adversely affect the combined company or the expected benefits
of the merger) and to satisfy the other conditions to the closing
of the pending acquisition on a timely basis or at all; (18) the occurrence
of events that may give rise to a right
of one or both
of United Technologies or Rockwell Collins to terminate the merger agreement, including in circumstances that might require Rockwell Collins to pay a termination fee
of $ 695 million to United Technologies or $ 50 million
of expense reimbursement; (19) negative effects
of the announcement or the completion
of the merger on the market price
of United Technologies» and / or Rockwell Collins» common stock and / or on their respective financial performance; (20) risks related to Rockwell Collins and United Technologies being restricted in their operation
of their businesses while the merger agreement is in effect; (21) risks relating to the value
of the United Technologies» shares to be issued in connection with the pending Rockwell acquisition, significant merger costs and / or unknown liabilities; (22) risks associated with third party contracts containing consent and / or other provisions that may be triggered by the Rockwell merger agreement; (23) risks associated with merger - related litigation or appraisal proceedings; and (24) the ability
of United Technologies and Rockwell Collins, or the combined company, to retain and hire key personnel.
On the other hand, 71 percent favor the law's Medicaid expansion, 66 percent
of young adults favor the prohibition on denying people coverage because
of a person's medical history, 65 percent favor requiring insurance
plans to cover the full cost
of birth control, 63 percent favor requiring most employers to pay a fine if they don't offer insurance and 53 percent favor paying
for benefit increases with higher payroll
taxes for higher earners.
«This combination
of raising the standard deduction and eliminating itemized deductions will make
tax preparation easier, but I'm not sure it will be a savings
for higher income people,» said Tim Steffen, director
of advanced
planning at Robert W. Baird & Co. in Milwaukee.
The big benefit from
planning for taxes is twofold: You're less likely to be surprised by a
tax bill and also will know how much
of your earnings actually are available to you.
Evelyn Jacks is Founder and President
of Knowledge Bureau, a national educational institute
for the continuing professional development
of tax and financial advisors and author
of 52 books on the subject
of tax preparation,
planning and wealth management
for Canadian families.