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The Greenard Index

Kevin Greenard: The Greenard Group's 10 items to consider 鈥 salary or dividends?

Kevin Greenard: The Greenard Group's 10 items to consider 鈥 salary or dividends?

Our professional clients and business owners who are incorporated (combined we will refer to both as 鈥渂usiness owners鈥) must juggle a few different balls when it comes to determining corporate versus personal taxation, and the overall combined tax ef
Kevin Greenard: Investing under a corporate umbrella

Kevin Greenard: Investing under a corporate umbrella

When a corporation is set up for an active business, it is typically referred to as an operating company. Once our clients have retired from the active business, the operating company is often sold, closed, or converted to a holding company.
Kevin Greenard: Corporations help high-income professionals

Kevin Greenard: Corporations help high-income professionals

Dentists, doctors, lawyers, accountants and other professionals have the option to incorporate. These corporations are often referred to as professional corporations (PC).
Kevin Greenard: Understanding tax-free capital dividends

Kevin Greenard: Understanding tax-free capital dividends

Taxation for corporations is different from taxation for individuals. Our corporate clients can take advantage of many things: tax deferral, income splitting possibilities, tax-efficient dividend payments, etc.
Kevin Greenard: Breaking down the stages of retirement

Kevin Greenard: Breaking down the stages of retirement

The levels of retirement that we see correspond directly to the performance of the stock market. When returns exceed projections in a financial plan, many people speed up their plans for retirement.
Kevin Greenard: Are you a net saver or a net spender?

Kevin Greenard: Are you a net saver or a net spender?

Everyone falls into two broad categories: net saver or net spender. If you鈥檙e a net saver, your cash inflows are greater than your cash outflows. If you鈥檙e a net spender, your cash outflows are greater than your cash inflows.
Kevin Greenard: Deferring your property taxes is a no-brainer

Kevin Greenard: Deferring your property taxes is a no-brainer

Municipalities mail out their property tax notices by the end of May. Below are the common ways to address your property tax liability. The first way is by paying your property taxes directly to your municipality.
Kevin Greenard: Concentration causes excess volatility

Kevin Greenard: Concentration causes excess volatility

Concentration within a portfolio refers to an individual equity, sector, currency, geographical area, etc. being overweight in the portfolio. Avoiding concentration is important to reduce overall portfolio risk.
Kevin Greenard: Take advantage of market conditions when rebalancing

Kevin Greenard: Take advantage of market conditions when rebalancing

When you hear 鈥渞ebalancing鈥 in an investment context, one may immediately think of trimming back stocks that have outperformed and taking the opportunity to reallocate these funds to stocks that have pulled back.
Kevin Greenard: How a Portfolio Manager helps families

Kevin Greenard: How a Portfolio Manager helps families

It is becoming more and more commonplace for Portfolio Managers to work with multiple generations within the same family 鈥 even when they live in different households.