Tax and Retirement Services

With a combined 30 years of experience in retirement planning and wealth accumulation strategies, the Manulife Investments Tax and Retirement Services (TRS) team is a group of accountants, lawyers and other specialists skilled in proactively identifying opportunities for clients based on changing regulatory environments and the market.

Paying tax is not a favourite topic for anyone, but it’s one of those inevitable things in life. However, with a little planning you can help minimize your taxes and make the most of every dollar you have. As you age your tax planning concerns change, below are a few strategies that you may find useful for your current life stage (advisor log-in required).

Tax planning for couples and families

Lower the family tax bill – Income splitting using loans
Giving more for less – maximize donations to charities
Capitalizing on Capital Losses
Capitalizing on Capital Losses
Don’t Celebrate a Large Tax Return – Eliminate It!

Tax planning for Business owners

Put your retained earnings to work
Are your investments protected from creditors?
Professional Corporations Offer Tax Breaks

Tax planning for retirees

Minimizing taxes on death
RRSPs and RRIFs on death – Frequently asked questions
Fighting the clawbacks – Reduce line 234
Maximizing discretionary RRIF Income
Final RRSP contributions at age 71
Unlocking locked-in funds
Cross-border investment planning
Opportunities for pension income splitting
Pension Income Splitting
Registered Retirement Income – The facts
Strategy to Increase Retirement Income

General tax planning

RRSP – The facts
TFSA – The facts
Charitable Giving – The facts
Comparing the taxation of mutual funds and segregated funds
The Tax Treatment of Systematic Withdrawal Plans (SWPs)
The pension decision – To commute or not to commute?
Tax planning in volatile markets
Using Series T for income now and charitable donations later
An investor's adjusted cost base: A moving target
Ideal Candidates for Mutual Fund Corporations