- What is the Effect of a Revocation Clause in a Will on Beneficiary Designations?
- Tax on the Surrender of a Life Insurance Policy
- Is a life insurance policy’s cash surrender value a matrimonial asset?
- Life Insurance and Shareholder Benefits Part 1
- Gestion Roy - Life Insurance and Shareholder Benefits – Part 2
- Donation of Private Corporation Shares and the Insured Share Donation Strategy
- Pre-Planning with Insurance Planning – Co-ordinating the Shareholders’ Agreement with the Will
- Unjust Enrichment – Updating Beneficiary Designations and Avoiding Disappointed Beneficiaries
- Beneficiary Designation Challenges and the Resulting Trust Presumption
- Beneficiary Designations and Secret Trusts
- Proposed interest deductibility limits, budget 2021: Should clients be concerned?
- Rogers Enterprises (2015) Inc. – Tax Court finds that an Increase in a Capital Dividend Account Balance is Not a Tax Benefit under the GAAR
- British Columbia clarifies its position on the donation of life insurance policies
- Dalla Lana Estate – sticky notes found to be a valid holograph will
- Fair Market Value of Corporate Shares and Life Insurance
- Subsection 55(2) – Preventing Dividends to Capital Gains
- Pipeline Post Mortem Strategy
- Scotti v. Agence du Revenu du Quebec – Quebec Court finds policyholder must pay tax on rebate
- The Estate of Juanita Nelson
- Increased capital gains inclusion rate and the impact on Clients
Insurance Tax Solutions - Articles & Publications
- Corporate Retirement Strategy guarantee fee
- Are insurance premiums deductible?
- Beware the multi-life trap (considerations for policies with multiple shareholders)
- Corporate ownership of a life insurance policy
- The Capital Dividend Account
- What is Refundable Dividend Tax on Hand (RDTOH)?
- Leveraging guide
- Life Insurance Shares Guide
- Buy Sell Agreements – Funding & Basic Structures
- Planning for Incorporated Businesses
- Buy Sell Agreements – Planning using Holding Companies
Stuart Dollar
M.A., LL.B, CFP®, CLU®, ChFC®, TEP
Stuart Dollar is a Director for the Insurance Tax Solutions group with Sun Life Financial in Waterloo, Ontario.
He began his financial services career with London Life in 1994, working as a retirement planner, product manager, and advisor. In 2002 he accepted an opportunity to work with Genworth Financial in the United States as an advanced marketing attorney.
Stuart returned to Canada in 2009 to join Sun Life Financial. He helps with tax issues related to life and health insurance. He is also experienced in the taxation of U.S. life and health insurance products, and with U.S. income and estate tax law.
Stuart often speaks at industry events, and has written several articles, including The Canadian Health Insurance Tax Guide, “Strategies for Canadians with U.S. Retirement Plans”, and “Health Insurance Strategies for Business Owners,” published in the Fall 2017 edition of the Canadian Tax Journal.
Lino Puzzuoli
Director of Insurance Tax Solutions
Entrepreneurial by nature, Lino Puzzuoli joined Sun Life after selling multiple businesses and returning to school to earn an MBA from the Richard Ivey School of Business. He is passionate about finance, and was hooked ever since his first economics class – subsequently earning a B.A. in Economics, a Certified Financial Planner (CFP)® designation and his Lean Six Sigma Green Belt.
When he was an owner and the CFO for a construction company, Lino learned what it's like to be personally invested during both boom and bust cycles. He appreciates the challenges faced by business owners and can identify with their concerns.
As a believer in lifelong learning, Lino speaks French and Italian well enough to get into and out of trouble. Lino is married and the father of two young children, most easily found during the summer months in his garden.
Jean Turcotte
B.A.A., LL.B., Avocat, D.Fisc.,Pl.Fin.,TEP
Mr. Jean Turcotte is a lawyer and a financial planner. He is graduate from the Université de Sherbrooke. He also holds a Bachelor of Business Administration in finance (B.A.A.) from the École des Hautes Études Commerciales (HEC) and studied Taxation at McGill University. He is a member of the Quebec Bar. He is also a member of the IQPF, APFF and STEP Canada.
Mr. Turcotte currently holds the position of Director, Tax, Insurance and Wealth Management Solutions Group at Sun Life Financial in Montreal. He is in charge of, among other things, provide guidance to financial advisors on complex legal and tax issues affecting both individuals and business owners. Mr. Turcotte is committed to supporting you in finding innovative solutions and increasing the value you offer to clients in the insurance and wealth management sector.
In addition to his work at Sun Life Financial, he wrote a monthly tax article for the magazine Finance et Investissement from 1999 to 2010. Since 2012, he has also been involved in writing articles for Conseiller.ca magazine.
Mr. Turcotte has written several training manuals for the IQPF, the APFF, the Autorité des marchés financiers (AMF) and the Chambre de la sécurité financière (CSF). He is a frequent speaker at conferences and training sessions organized by the industry. In 2011 and 2016, he was named Trainer of the Year by the Institut Québecois de planification financière (IQPF). Mr. Turcotte has also been a guest speaker in different television programs. Finally, he acts as an expert witness in court in litigations involving financial advisors.
Areas of expertise :
- Advanced tax planning
- Financial and estate planning
- Asset protection
- Asset management
Grace Jin, MSc, CLU, QAFP
Advanced Solutions Manager
Since joining Sun Life in 2016, Grace has devoted her career to helping advisors grow their business using sales strategies and understanding the unique ways life insurance can be used to provide creative solutions for clients. In her current role as an Advanced Solutions Manager, Grace has been developing and supporting sales strategies and tools from the ideation to implementation.
Grace graduated from Western University with a Master of Statistics, Actuarial Science. She has continued her commitment to professional development, achieving the QAFP™ Certification and Chartered Life Underwriter® (CLU) designations. She is working toward her Associate of the Society of Actuaries designation.
Amir Pourzakikhani, MTax, TEP
Amir’s background is in accounting and taxation. He has a Bachelor of Commerce from the University of Toronto and is a graduate of the University of Waterloo’s taxation program. Amir worked at Deloitte LLP and MNP LLP in Toronto and spent several years at Canada Life as a tax & estate planning consultant. He has 10+ years of tax experience primarily focused on planning for private companies and their shareholders, owner-managers, and high-net worth individuals.
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