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Stay informed with what’s going on. Browse posts that might be helpful to you or check out an event happening in your area. Come back regularly as this page is kept up-to-date with a lot of relevant information.
Many investors spend time trying to predict what markets will do next. Building an investment strategy aligned with your goals and time horizons may help you stay focused during changing market conditions.
Have questions about your investment strategy?
Let's chat about building a roadmap designed around your goals, timing needs and comfort level. https://advisor.sunlife.ca/amal.kilani/
Have questions about your investment strategy?
Let's chat about building a roadmap designed around your goals, timing needs and comfort level. https://advisor.sunlife.ca/amal.kilani/
Many investors spend time trying to predict what markets will do next. Building an investment strategy aligned with your goals and time horizons may help you stay focused during changing market conditions.
Have questions about your investment strategy?
Let's chat about building a roadmap designed around your goals, timing needs and comfort level. https://advisor.sunlife.ca/amal.kilani/
Have questions about your investment strategy?
Let's chat about building a roadmap designed around your goals, timing needs and comfort level. https://advisor.sunlife.ca/amal.kilani/
Your mortgage is likely one of your biggest financial commitments. What happens to it if something unexpected occurs? Mortgage protection solutions help ensure your family can keep your home secure, no matter what life brings. Let's review your coverage and give you peace of mind. Reach out to discuss your options today. https://advisor.sunlife.ca/amal.kilani/
Your mortgage is likely one of your biggest financial commitments. What happens to it if something unexpected occurs? Mortgage protection solutions help ensure your family can keep your home secure, no matter what life brings. Let's review your coverage and give you peace of mind. Reach out to discuss your options today. https://advisor.sunlife.ca/amal.kilani/
As wealth grows, financial priorities often become more complex.
Are your investments, tax strategies, estate plans and protection solutions all working together toward the same goals? It may be worth reviewing how these areas fit together based on your circumstances.
What is your main financial priority right now? ⬇️ Share below:
• Growing wealth
• Protecting wealth
• Leaving a legacy
• Creating retirement income
Are your investments, tax strategies, estate plans and protection solutions all working together toward the same goals? It may be worth reviewing how these areas fit together based on your circumstances.
What is your main financial priority right now? ⬇️ Share below:
• Growing wealth
• Protecting wealth
• Leaving a legacy
• Creating retirement income
As wealth grows, financial priorities often become more complex.
Are your investments, tax strategies, estate plans and protection solutions all working together toward the same goals? It may be worth reviewing how these areas fit together based on your circumstances.
What is your main financial priority right now? ⬇️ Share below:
• Growing wealth
• Protecting wealth
• Leaving a legacy
• Creating retirement income
Are your investments, tax strategies, estate plans and protection solutions all working together toward the same goals? It may be worth reviewing how these areas fit together based on your circumstances.
What is your main financial priority right now? ⬇️ Share below:
• Growing wealth
• Protecting wealth
• Leaving a legacy
• Creating retirement income
Want your money to work for your family's future? 💰
Creating a plan to help your wealth last for generations takes more than hope. It takes strategy.
A solid financial roadmap can help you:
- Protect what you've built
- Minimize taxes
- Support loved ones for years to come
Let's talk about making your legacy last. Reach out to discuss your family's financial future. https://advisor.sunlife.ca/amal.kilani/
Creating a plan to help your wealth last for generations takes more than hope. It takes strategy.
A solid financial roadmap can help you:
- Protect what you've built
- Minimize taxes
- Support loved ones for years to come
Let's talk about making your legacy last. Reach out to discuss your family's financial future. https://advisor.sunlife.ca/amal.kilani/
Want your money to work for your family's future? 💰
Creating a plan to help your wealth last for generations takes more than hope. It takes strategy.
A solid financial roadmap can help you:
- Protect what you've built
- Minimize taxes
- Support loved ones for years to come
Let's talk about making your legacy last. Reach out to discuss your family's financial future. https://advisor.sunlife.ca/amal.kilani/
Creating a plan to help your wealth last for generations takes more than hope. It takes strategy.
A solid financial roadmap can help you:
- Protect what you've built
- Minimize taxes
- Support loved ones for years to come
Let's talk about making your legacy last. Reach out to discuss your family's financial future. https://advisor.sunlife.ca/amal.kilani/
She sold her investment and made a $40,000 profit.
She celebrated… Until tax season arrived.
What she didn’t realize was that selling an investment can trigger a capital gain. Part of that gain may be added to her taxable income.
Then she asked:
“What if I lose money on another investment? Can I deduct that loss from my salary?”
Usually, no.
Capital losses generally offset capital gains. They may also be carried back up to three years or carried forward for future use.
This is where people make costly mistakes.
They focus only on the selling price and forget to ask:
• What is my adjusted cost base?
• What selling expenses apply?
• Do I have unused capital losses?
• Could the timing affect my taxes?
• Does an exemption apply?
The best time to ask these questions is before you sell—not after the transaction is complete.
Are you thinking about selling an investment, rental property, or business asset?
Let’s review the bigger picture before you make your decision.
📞 Amal Kilani
506-962-6675
For sample purposes only.
Source: https://www.canada.ca/en/revenue-agency/services/forms-publications/publications/t4037/capital-gains.html
She celebrated… Until tax season arrived.
What she didn’t realize was that selling an investment can trigger a capital gain. Part of that gain may be added to her taxable income.
Then she asked:
“What if I lose money on another investment? Can I deduct that loss from my salary?”
Usually, no.
Capital losses generally offset capital gains. They may also be carried back up to three years or carried forward for future use.
This is where people make costly mistakes.
They focus only on the selling price and forget to ask:
• What is my adjusted cost base?
• What selling expenses apply?
• Do I have unused capital losses?
• Could the timing affect my taxes?
• Does an exemption apply?
The best time to ask these questions is before you sell—not after the transaction is complete.
Are you thinking about selling an investment, rental property, or business asset?
Let’s review the bigger picture before you make your decision.
📞 Amal Kilani
506-962-6675
For sample purposes only.
Source: https://www.canada.ca/en/revenue-agency/services/forms-publications/publications/t4037/capital-gains.html
Watch video
If you’re self-employed, between roles, or don’t have workplace benefits, gaps in coverage can leave you exposed. Personal health insurance and critical illness coverage can help bridge those gaps and protect your finances if the unexpected happens. Let’s talk about a strategy that’s right for you.
If you’re self-employed, between roles, or don’t have workplace benefits, gaps in coverage can leave you exposed. Personal health insurance and critical illness coverage can help bridge those gaps and protect your finances if the unexpected happens. Let’s talk about a strategy that’s right for you.
You worked hard to build your wealth. But have you thought about what happens to that wealth next?
For business owners and families who have accumulated significant assets, there comes a point when an important question needs to be asked:
How do you protect, manage and eventually transfer what you’ve built?
This is where a family trust may come into the conversation.
A family trust is a legal structure that can hold certain assets for the benefit of selected beneficiaries; often children, grandchildren or other family members.
Depending on the circumstances and how it is structured, a family trust may be used to:
• Hold shares of a private corporation
• Help with business succession
• Transfer wealth to the next generation
• Manage assets for children or other beneficiaries
• Provide a degree of protection from certain creditor risks
• Create potential tax opportunities under Canadian tax rules
But here’s something important:
A family trust is not automatically a tax-saving strategy.
The rules surrounding trusts, taxation, income splitting and the Lifetime Capital Gains Exemption can be complex.
Before asking:
“Should I have a family trust?”
Ask yourself:
“What am I trying to accomplish with the wealth I’m building?”
Maybe you own a corporation that you hope to sell one day.
Maybe you want your children to eventually benefit from the business you’ve built.
Maybe your assets have grown significantly and you’re wondering whether your current structure still makes sense.
Or maybe you’ve heard other business owners talking about family trusts and you’re wondering:
“Could this apply to me too?”
You don’t need to have all the answers.
You just need to start asking the right questions.
📩 Curious to learn more? Reach out to me directly.
📞 506-962-6675
Let’s start the conversation.
For business owners and families who have accumulated significant assets, there comes a point when an important question needs to be asked:
How do you protect, manage and eventually transfer what you’ve built?
This is where a family trust may come into the conversation.
A family trust is a legal structure that can hold certain assets for the benefit of selected beneficiaries; often children, grandchildren or other family members.
Depending on the circumstances and how it is structured, a family trust may be used to:
• Hold shares of a private corporation
• Help with business succession
• Transfer wealth to the next generation
• Manage assets for children or other beneficiaries
• Provide a degree of protection from certain creditor risks
• Create potential tax opportunities under Canadian tax rules
But here’s something important:
A family trust is not automatically a tax-saving strategy.
The rules surrounding trusts, taxation, income splitting and the Lifetime Capital Gains Exemption can be complex.
Before asking:
“Should I have a family trust?”
Ask yourself:
“What am I trying to accomplish with the wealth I’m building?”
Maybe you own a corporation that you hope to sell one day.
Maybe you want your children to eventually benefit from the business you’ve built.
Maybe your assets have grown significantly and you’re wondering whether your current structure still makes sense.
Or maybe you’ve heard other business owners talking about family trusts and you’re wondering:
“Could this apply to me too?”
You don’t need to have all the answers.
You just need to start asking the right questions.
📩 Curious to learn more? Reach out to me directly.
📞 506-962-6675
Let’s start the conversation.
Watch video
How will your wealth support your loved ones? We can help you create a wealth transfer strategy that aligns with your values and provides for those who matter most. Let's build a roadmap that works for your family.
Let's connect and start planning today. https://advisor.sunlife.ca/amal.kilani/
Let's connect and start planning today. https://advisor.sunlife.ca/amal.kilani/
How will your wealth support your loved ones? We can help you create a wealth transfer strategy that aligns with your values and provides for those who matter most. Let's build a roadmap that works for your family.
Let's connect and start planning today. https://advisor.sunlife.ca/amal.kilani/
Let's connect and start planning today. https://advisor.sunlife.ca/amal.kilani/
You started your business with an idea.
Maybe it was a side hustle. Maybe you had one client, then five, then twenty.
At the beginning, you probably asked:
“How do I get started?”
So you registered as a sole proprietor. Or maybe you started with a friend, spouse or business partner.
Then the business grew.
More clients. More revenue. More contracts. Maybe employees.
But did your business structure grow with you?
There are important differences between a sole proprietorship, partnership and corporation.
A sole proprietorship is generally simpler and less expensive to establish.
But the owner generally has unlimited personal liability. Certain business obligations could potentially affect your personal assets.
A partnership allows two or more people to combine their skills, money and experience.
But, partners can also face significant personal liability.
And here’s the trick:
Your partner’s business decisions can affect you too.
What happens if your partner takes on debt? Wants out? Or you disagree about an important decision?
Then there’s the corporation.
A corporation is generally a separate legal entity from its shareholders. Shareholders typically have limited liability, subject to exceptions.
But incorporation isn’t automatically better.
It usually means more costs, administration, accounting and legal work.
So don’t simply ask:
“Which structure is best?”
Ask:
“Which structure makes sense for MY business today?” Maybe you made this decision 5 or 10 years ago.
Your revenue changed. Your risks changed. Your responsibilities changed.
Did you ever revisit the structure you chose?
Here’s the question I want every business owner to consider:
If you were starting your exact business TODAY, would you choose the same structure?
If you’re starting a business, self-employed, working with a partner, considering incorporation, or your business has grown significantly, call me.
Understanding your options can help you ask the right questions before making major decisions.
Your accountant and lawyer can provide advice specific to the tax and legal aspects of your situation.
📞 506-962-6675
Your business has evolved.
Has its structure?
Maybe it was a side hustle. Maybe you had one client, then five, then twenty.
At the beginning, you probably asked:
“How do I get started?”
So you registered as a sole proprietor. Or maybe you started with a friend, spouse or business partner.
Then the business grew.
More clients. More revenue. More contracts. Maybe employees.
But did your business structure grow with you?
There are important differences between a sole proprietorship, partnership and corporation.
A sole proprietorship is generally simpler and less expensive to establish.
But the owner generally has unlimited personal liability. Certain business obligations could potentially affect your personal assets.
A partnership allows two or more people to combine their skills, money and experience.
But, partners can also face significant personal liability.
And here’s the trick:
Your partner’s business decisions can affect you too.
What happens if your partner takes on debt? Wants out? Or you disagree about an important decision?
Then there’s the corporation.
A corporation is generally a separate legal entity from its shareholders. Shareholders typically have limited liability, subject to exceptions.
But incorporation isn’t automatically better.
It usually means more costs, administration, accounting and legal work.
So don’t simply ask:
“Which structure is best?”
Ask:
“Which structure makes sense for MY business today?” Maybe you made this decision 5 or 10 years ago.
Your revenue changed. Your risks changed. Your responsibilities changed.
Did you ever revisit the structure you chose?
Here’s the question I want every business owner to consider:
If you were starting your exact business TODAY, would you choose the same structure?
If you’re starting a business, self-employed, working with a partner, considering incorporation, or your business has grown significantly, call me.
Understanding your options can help you ask the right questions before making major decisions.
Your accountant and lawyer can provide advice specific to the tax and legal aspects of your situation.
📞 506-962-6675
Your business has evolved.
Has its structure?
Watch video
A serious illness can impact more than your health, it can disrupt your income, savings and long-term goals. Critical illness insurance pays a lump sum benefit upon diagnosis of covered conditions like cancer, heart attack or stroke, so you have financial support when it matters most. Let’s talk about how critical illness coverage can protect your financial plan before you need it. https://advisor.sunlife.ca/amal.kilani/
A serious illness can impact more than your health, it can disrupt your income, savings and long-term goals. Critical illness insurance pays a lump sum benefit upon diagnosis of covered conditions like cancer, heart attack or stroke, so you have financial support when it matters most. Let’s talk about how critical illness coverage can protect your financial plan before you need it. https://advisor.sunlife.ca/amal.kilani/
Running a business today often means managing rising costs, tighter margins and constant pressure on cash flow. A clear financial approach can help you stay in control, manage expenses, protect against risk and keep your business moving forward.
Let’s review your strategy to find ways to strengthen your margins.https://advisor.sunlife.ca/amal.kilani/
Let’s review your strategy to find ways to strengthen your margins.https://advisor.sunlife.ca/amal.kilani/
Running a business today often means managing rising costs, tighter margins and constant pressure on cash flow. A clear financial approach can help you stay in control, manage expenses, protect against risk and keep your business moving forward.
Let’s review your strategy to find ways to strengthen your margins.https://advisor.sunlife.ca/amal.kilani/
Let’s review your strategy to find ways to strengthen your margins.https://advisor.sunlife.ca/amal.kilani/
Life can be unpredictable. The right protection can help you stay financially secure when it matters most. Insurance can play a key role in supporting your overall financial approach. Let’s review your coverage and make sure it fits your needs. https://advisor.sunlife.ca/amal.kilani/
Life can be unpredictable. The right protection can help you stay financially secure when it matters most. Insurance can play a key role in supporting your overall financial approach. Let’s review your coverage and make sure it fits your needs. https://advisor.sunlife.ca/amal.kilani/
Deux clientes. Le même revenu. Deux résultats complètement différents.
Ce n’est pas toujours le montant que vous gagnez qui fait la différence.
C’est ce que vous faites avec votre argent.
Avoir un plan financier peut vous aider à :
• mieux gérer votre budget;
• protéger votre famille;
• investir avec un objectif clair;
• vous préparer aux imprévus;
• bâtir votre avenir avec confiance.
Vous n’avez pas à tout faire seule.
📩 Contactez-moi dès aujourd’hui pour une consultation personnalisée.
📞 506-962-6675
Ce n’est pas toujours le montant que vous gagnez qui fait la différence.
C’est ce que vous faites avec votre argent.
Avoir un plan financier peut vous aider à :
• mieux gérer votre budget;
• protéger votre famille;
• investir avec un objectif clair;
• vous préparer aux imprévus;
• bâtir votre avenir avec confiance.
Vous n’avez pas à tout faire seule.
📩 Contactez-moi dès aujourd’hui pour une consultation personnalisée.
📞 506-962-6675
Watch video
Two clients. The same income. Two very different outcomes.
It’s not always about how much you earn.
It’s about what you do with your money.
A financial plan can help you:
• manage your cash flow;
• protect your family;
• invest with purpose;
• prepare for the unexpected;
• build the future you want.
You don’t have to figure it all out on your own.
📩 Reach out today for a personalized consultation.
📞 506-962-6675
It’s not always about how much you earn.
It’s about what you do with your money.
A financial plan can help you:
• manage your cash flow;
• protect your family;
• invest with purpose;
• prepare for the unexpected;
• build the future you want.
You don’t have to figure it all out on your own.
📩 Reach out today for a personalized consultation.
📞 506-962-6675
Watch video
Health events can happen without warning — and the costs aren’t always medical. Critical illness insurance can provide financial support during a serious diagnosis, helping with time off work, travel for care, or everyday expenses so you can focus on recovery. Want to explore if it fits your plan? https://advisor.sunlife.ca/amal.kilani/
Health events can happen without warning — and the costs aren’t always medical. Critical illness insurance can provide financial support during a serious diagnosis, helping with time off work, travel for care, or everyday expenses so you can focus on recovery. Want to explore if it fits your plan? https://advisor.sunlife.ca/amal.kilani/
Disability can impact more than just your income — it can affect your financial priorities all at once. The right coverage can help create breathing room if you’re unable to work due to illness or injury. If your paycheque fuels your plans, they may be worth protecting. Get in touch to talk about your options. https://advisor.sunlife.ca/amal.kilani/
Disability can impact more than just your income — it can affect your financial priorities all at once. The right coverage can help create breathing room if you’re unable to work due to illness or injury. If your paycheque fuels your plans, they may be worth protecting. Get in touch to talk about your options. https://advisor.sunlife.ca/amal.kilani/
Your mortgage is likely one of your biggest financial commitments. What happens to it if something unexpected occurs? Mortgage protection solutions help ensure your family can keep your home secure, no matter what life brings. Let's review your coverage and give you peace of mind. Reach out to discuss your options today.
https://advisor.sunlife.ca/amal.kilani/
https://advisor.sunlife.ca/amal.kilani/
Your mortgage is likely one of your biggest financial commitments. What happens to it if something unexpected occurs? Mortgage protection solutions help ensure your family can keep your home secure, no matter what life brings. Let's review your coverage and give you peace of mind. Reach out to discuss your options today.
https://advisor.sunlife.ca/amal.kilani/
https://advisor.sunlife.ca/amal.kilani/
Most “safe” options keep your money protected — but not working.
What if one strategy could do both?
✔️ Protection during your working years
✔️ Contributions potentially returned to you
✔️ A major tax deduction down the road
No stock market. No risk chasing. Just smart, conservative planning most people have never been shown.
I walked a client through this recently — and it changed how they saw everything.
Curious? Reach out and let’s see if it fits your situation. 📩
What if one strategy could do both?
✔️ Protection during your working years
✔️ Contributions potentially returned to you
✔️ A major tax deduction down the road
No stock market. No risk chasing. Just smart, conservative planning most people have never been shown.
I walked a client through this recently — and it changed how they saw everything.
Curious? Reach out and let’s see if it fits your situation. 📩
Watch video
Thinking about what you'll leave behind? Intergenerational planning is more than just numbers — it's about passing on your values, your dreams and your wealth to those you love. Whether you're thinking about your children, grandchildren or other VIPs in your life, let's create a strategy that helps ensure your legacy reflects your vision. Ready to get started on creating your legacy? Let’s chat!
https://advisor.sunlife.ca/amal.kilani/
https://advisor.sunlife.ca/amal.kilani/
Thinking about what you'll leave behind? Intergenerational planning is more than just numbers — it's about passing on your values, your dreams and your wealth to those you love. Whether you're thinking about your children, grandchildren or other VIPs in your life, let's create a strategy that helps ensure your legacy reflects your vision. Ready to get started on creating your legacy? Let’s chat!
https://advisor.sunlife.ca/amal.kilani/
https://advisor.sunlife.ca/amal.kilani/
Votre remboursement d'impôt : une occasion à saisir. Ne le laissez pas dormir. Découvrez des façons simples de le faire travailler pour vous. Des REER aux stratégies de placement, plusieurs options peuvent faire croître votre épargne. Parlons de ce qui vous convient le mieux. https://advisor.sunlife.ca/amal.kilani/
Votre remboursement d'impôt : une occasion à saisir. Ne le laissez pas dormir. Découvrez des façons simples de le faire travailler pour vous. Des REER aux stratégies de placement, plusieurs options peuvent faire croître votre épargne. Parlons de ce qui vous convient le mieux. https://advisor.sunlife.ca/amal.kilani/
Have questions?
Here to help answer your questions, provide clarity about products and get you started on the road to achieving your goals.
We are contracted with Sun Life Financial Distributors (Canada) Inc., a member of the Sun Life group of companies. Mutual funds distributed by Sun Life Financial Investment Services (Canada) Inc.