Please find attached the 2025-2026 update of our Tax and Financial Planning Guide, to which we have added several new topics.

This guide was first published during the 2022-2023 tax season. Each year, as part of the tax season, we add topics that may be of interest to our clients, taking into account the questions we are most frequently asked.

For example, we have mainly added or expanded the following topics:

• Future homeowners
  • GST and QST rebate on the purchase of a home
  • Land transfer taxes
  • CMHC insurance
• Retirees
  • Life Income Fund (LIF)
  • Advanced Life Deferred Annuity (ALDA)
• Persons with disabilities
  • Importance of the Disability Tax Credit (DTC)
  • New Canada Disability Benefit
  • Registered Disability Savings Plan (RDSP)

The Guide contains general information and does not claim to be exhaustive. Readers should consult their financial advisor to determine the strategies appropriate to their personal situation.

To make it easier to read and to allow you to identify topics that may be of interest to you and your family members, the Guide is organized by theme and key concepts are highlighted.

Enjoy your reading!

Table of Content

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