David Wm. Brown

David Wm. Brown , CFP, CLU, Ch.F.C., RHU, TEP, is a member of the MDRT, and a partner at Al G. Brown and Associates in Toronto.

Industry

Opinion: Why insurance advisors should care about small biz tax proposals

Small business is up in arms about the proposals on tax planning using private corporations

By David Wm. Brown |September 12, 2017

2 min read

Life

How life insurance can still protect clients, despite tax changes

Adapt to the new normal of life insurance changes

By David Wm. Brown |June 30, 2017

4 min read

Estate Planning

Tell clients about these insurance changes before year-end

There are only a few months left

By David Wm. Brown |September 9, 2016

2 min read

Industry

Should we lower RRIF withdrawal rates?

CALU has submitted its recommendations for the 2015 Federal Budget to the House of Commons Standing Committee on Finance.

By David Wm. Brown |October 29, 2014

2 min read

Estate Planning

Give the gift of life

A client called me earlier this year with a strange question. He wanted to know if donating an organ or a piece of an organ would affect his ability to purchase life insurance in the future. At the time, it seemed like an academic question and the client didn’t offer any explanations.

By David Wm. Brown |October 6, 2014

3 min read

Life

Check clients’ insurance before travelling

For some clients, vacations can turn into financial nightmares. People may fall ill overseas, think they’re covered by their travel insurance, but then discover their claims have been denied. Trouble is, most people neither read nor understand the fine print in the exclusions and limitations section of their policies, and don’t realize they won’t be covered in certain situations.

By David Wm. Brown |October 3, 2014

3 min read

Estate Planning

Donate life insurance, save tax

Fewer Canadians are donating to charity. Statistics Canada reports donations fell nearly 2% to $8.3 billion in 2012. What’s worse, the number of people giving slipped 1.4% to 5.6 million.

By David Wm. Brown |May 9, 2014

3 min read

Life

Rest in peace, 10/8

The 2013 Budget has killed the 10/8 arrangement, and people who invested in these insurance strategies will need to unwind them before 2014 and readjust their plans.

By David Wm. Brown |May 7, 2013

3 min read

Life

Do client policies pass the exempt test?

After an insurance policy’s 10th year, it must pass three tests to remain classified for protection, not investment, known collectively as the Exempt Test. Here’s how you can ensure your clients pass the test.

By David Wm. Brown |April 22, 2013

2 min read