Security. Purpose. Legacy
                                                 October 1, 2020
Successful Retirement Solution
An integrated planning approach we provide to our valued clients which is a six step process to help you:    
                     1. Clarify Vision
                     2. Preserve Wealth
                     3. Minimize Tax
                     4. Maximize Retirement
                     5. Optimize Investments
                     6. Design Legacy

We will touch on one or more of these steps in our meetings with you. We'll also provide educational resources to explain each step so that you'll understand their importance and how you'll benefit from this holistic planning approach. Please feel free to contact us if you have any questions.
Hi Everyone,

Welcome to October and the start of fall. I hope you're keeping safe and well. Two of our articles this month are focused on the seminal year we turn 65. Significant income and tax considerations come into play once we reach this age and being prepared for it well in advance is what we preach constantly. The first, under Maximize Retirement, talks about two clawback levels and implications for when to start OAS & CPP. The second, under Minimize Tax, will talk about the "sweet spot" of taxable income for seniors. Finally, our Healthy Aging Strategies has tips for living longer as well as improving your mood.

                                     LIVING IN FAITH

                      my personal reflections since the sudden passing of my son

Please note that my Living In Faith reflections will no longer be offered in this newsletter. If you wish to continue receiving my reflections, please subscribe to the Living In Faith newsletter by clicking on this link Any new LIF article will be emailed to you on the 15th of the month.

start retirement income planning

Many special circumstances regarding your income and taxes come into play once you reach age 65. This is why planning well in advance will put you in good stead when you reach age 65. Click here for an article outlining the things that you should consider.
planning to pay lowest tax

For a couple aged 65 or over in BC, they would pay only 8.6% tax to receive a combined after-tax income of about $70,000. This tax rate would fall even lower with dividend income and/or additional tax credits. Click here for an article detailing this.
5 tips for living longer, better
Click here for a Zoomer article that lists 5 easy things you can do to live longer and improve your mood.
                                          Chad Ekren  
Chad Ekren CIM, CFP®, B.Comm
Portfolio Manager
HollisWealth®, a division of Industrial Alliance Securities Inc.

Insurance Advisor*, Hollis Insurance Agency
1030 – 4720 Kingsway
Metrotower II
Burnaby, BC  V5H 4N2

*Insurance products provided through Hollis Insurance Agency independently and separately from Industrial Alliance Securities Inc. Only services offered through HollisWealth®, a division of Industrial Alliance Securities Inc., are covered by the Canadian Investor Protection Fund.
I have a group of enthusiastic professionals dedicated to providing the highest level of customer service. We offer an integrated, holistic, financial planning process to help our clients achieve a Successful Retirement. Click here to view video.
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Should you have any questions or comments please call me at 604-432-7743 or email me at

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Capital Concepts Group
HollisWealth, a division of Industrial Alliance Securities Inc.              E:
Suite1030 – 4720 Kingsway                                                               P: 604-432-7743
Metrotower II                                                                                       F: 604-439-7777
Burnaby, BC  V5H 4N2                                                                   

This information has been prepared by Chad Ekren who is a Portfolio Manager for HollisWealth® and does not necessarily reflect the opinion of HollisWealth. The information contained in this newsletter comes from sources we believe reliable, but we cannot guarantee its accuracy or reliability. The opinions expressed are based on an analysis and interpretation dating from the date of publication and are subject to change without notice. Furthermore, they do not constitute an offer or solicitation to buy or sell any of the securities mentioned. The information contained herein may not apply to all types of investors. The Portfolio Manager can open accounts only in the provinces in which they are registered.
HollisWealth® is a division of Industrial Alliance Securities Inc., a member of the Canadian Investor Protection Fund and the Investment Industry Regulatory Organization of Canada.

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Capital Concepts Group Inc. · 1030 - 4720 Kingsway · Burnaby, BC V5H 4N2 · Canada

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