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Black Chips

Business Owner & Professional

Individual Pension Plan (IPP)

With recent changes to pension limits and the inclusion of Individual Pension Plans (IPPs) in succession plans, business owners now have a superior pension option at their disposal.

  1. Tax-Efficient Strategy - Unlike registered assets that create tax liabilities in the estate upon the passing of the surviving spouse, IPPs offer a powerful and tax-deferred approach to transferring registered assets to the next generation.

  2. Discover the Advantages - Delve deeper into the world of IPPs and witness how these plans can revolutionize your succession strategy.

  3. Ensure a Secure Future for Your Business - Unlock the invaluable insights in the article and embrace IPPs for a seamless and prosperous succession plan.  

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Own a Business? You're in Great Company!

With a million small businesses operating coast-to-coast with less than 100 employees, your venture is part of a thriving community.

Ensure a successful retirement for your business by setting up a well-designed retirement plan today.

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Stocks in a 'sweet spot' with Fed rate cuts: Strategist
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Stocks in a 'sweet spot' with Fed rate cuts: Strategist

Investors are closely watching the Federal Reserve's upcoming November meeting, questioning how aggressively the central bank might continue its rate-cutting cycle. Principal Asset Management chief global strategist Seema Shah joins Morning Brief to discuss the outlook. Shah characterizes current economic data as "very, very volatile," emphasizing the seasonality within various reports, particularly in the labor market. While she notes that labor market reports indicate some cooling, it's "nothing too concerning." However, she cautions against drawing conclusions from any data point when predicting the Fed's monetary policy direction. According to Shah, the broader trend of economic moderation suggests a normalization period is underway, which could ease some monetary restrictiveness. She believes a measured approach with 25 basis point reductions in November and December would be appropriate. Regarding the impact on investors, Shah offered an optimistic outlook: "As we look out over the coming months because we're expecting a soft landing, continued rate cuts, that is a sweet spot for risk assets. We think there's continued upside for equities," she told Yahoo Finance, adding: "In this environment, you probably want to be extending duration." #stockmarket #youtube #stocks About Yahoo Finance: Yahoo Finance provides free stock ticker data, up-to-date news, portfolio management resources, comprehensive market data, advanced tools, and more information to help you manage your financial life. - Get the latest news and data at finance.yahoo.com - Download the Yahoo Finance app on Apple (https://apple.co/3Rten0R) or Android (https://bit.ly/3t8UnXO) - Follow Yahoo Finance on social: X: http://twitter.com/YahooFinance Instagram: https://www.instagram.com/yahoofinance/?hl=en TikTok: https://www.tiktok.com/@yahoofinance?lang=en Facebook: https://www.facebook.com/yahoofinance/ LinkedIn: https://www.linkedin.com/company/yahoo-finance
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Sunil Heda, CPA (US), CIM®
Heda Investments​

Investment Advisor and Associate Portfolio Manager,

Manulife Wealth Inc

Life Insurance Advisor,

Manulife Wealth Insurance Services Inc.

Investment dealer dealing representatives (“Investment advisors”) registered with Manulife Wealth Inc. offer stocks, bonds, and mutual funds. Heda Investments is a trade name used for dealer business only. Insurance products and services are offered through Manulife Wealth Insurance Services Inc. Banking products and services are offered by referral arrangements through our related company Manulife Bank of Canada. Additional disclosure information will be provided upon referral. Please confirm with your advisor which company you are dealing with for each of your products and services. Manulife Wealth Inc. is a member of the Canadian Investment Regulatory Organization and the Canadian Investor Protection Fund. Manulife Wealth Insurance Services Inc. is a licensed life insurance agency authorized to do business across Canada. Manulife, Manulife & Stylized M Design, Stylized M Design and Manulife Wealth are trademarks of The Manufacturers Life Insurance Company and are used by it, and by its affiliates, under license.. The Advisor and Manulife Wealth Inc. and/or Manulife Wealth Insurance Services Inc. ("Manulife Wealth") do not make any representation that the information in any external linked site, document or information is accurate and will not accept any responsibility or liability for any inaccuracies in the information not maintained by them, such as linked sites. Any opinion or advice expressed in a linked site should not be construed as the opinion or advice of the advisor or Manulife Wealth. The information in this communication is subject to change without notice. This is not an official publication of Manulife Wealth. This publication contains the opinions of the writer and may not reflect the opinions of the Advisor and Manulife Wealth Inc. and/or Manulife Wealth Insurance Services Inc. (collectively, "Manulife Wealth"). The information contained herein was obtained from sources believed to be reliable. No representation, or warranty, express or implied, is made by the writer, Manulife Wealth, or any other person as to its accuracy, completeness, or correctness. This publication is not an offer to sell or a solicitation of an offer to buy any of the securities. The securities discussed in this publication may not be eligible for sale in some jurisdictions. If you are not a Canadian resident, this report should not have been delivered to you. This publication is not meant to provide legal, financial, tax or investment advice. As each situation is different, you should consult your own professional advisors for advice based on your specific circumstances.By submitting your contact details, you are providing us with your express consent to contact you or send you commercial electronic communication related to investments and/or insurance services that may be of interest to you. Should you wish to discontinue receiving communication or be contacted from our office, you may contact us to withdraw your consent at any time. Your personal information will not be distributed, sold, or traded; it will remain strictly confidential and will only be used for the purpose for which it was provided. For more information on our commitment to privacy and responsible use of information, please see  our Privacy Policy page.

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