Lavern Rankin, Senior Partner - Eau Claire Partners Inc.

𝗠𝗢𝗦𝗧 𝗖𝗔𝗡𝗔𝗗𝗜𝗔𝗡𝗦 𝗨𝗡𝗗𝗘𝗥𝗘𝗦𝗧𝗜𝗠𝗔𝗧𝗘 𝗧𝗛𝗘 𝗣𝗢𝗪𝗘𝗥 𝗢𝗙 𝗔 𝗧𝗙𝗦𝗔

It’s not just a savings account.
It can be one of the most tax-efficient wealth-building tools available.

𝗧𝗵𝗲 𝗿𝗲𝗮𝗹 𝗺𝗮𝗴𝗶𝗰 𝗶𝘀 𝘁𝗵𝗶𝘀:
Growth, Dividends, Capital Gains, and Withdrawals are all tax-free.

A properly used TFSA can help you:

✔ build emergency reserves
✔ grow long-term retirement assets
✔ save for major purchases
✔ create tax-free supplemental retirement income
✔ invest corporate or personal withdrawals strategically
✔ protect future flexibility when tax rates rise

For business owners and high-income professionals, the TFSA often becomes the perfect companion to RRSPs, corporate investing, and insurance-based planning.

Small, consistent deposits can turn into substantial tax-free wealth over time.

The key is not just having a TFSA, but to using it intentionally.

If you’re unsure whether your TFSA is working as hard as it should, let’s review how it fits into your full financial strategy.

Message me or set up a quick meet to see how this can help you.
https://ovou.com/lavernrankin

𝗧𝗛𝗘 𝗕𝗘𝗡𝗘𝗙𝗜𝗧𝗦 & 𝗚𝗥𝗢𝗪𝗧𝗛 𝗢𝗙
R𝗥𝗦𝗣𝘀

Tax Deductions Today
Tax-Deferred Growth
Build A Secure Future
Flexible Contributions ( Annual or Monthly )

Contribute today, Reap tomorro.

30 year old, $ 300 per month until 65 = $ 430,000 at 6 %
30 year old, $ 300 per month until 65 = $ 1,150,000 at 10 %

Message me or set up a quick meet to see how this can help you.
https://ovou.com/lavernrankin

Disability Insurance Gives You Peace of Mind and Financial Security.

Replaces Your Income
Protects Your Lifestyle
Secures Your Family Structure
Protects Your Career
Flexible Coverage That Fits You
Long Term Financial Security

2 years at $ 5,000 per month, $ 64.31 per month
Accident & Sickness
90 day initial waiting period ( unless hospitalized )
2 year coverage

Lavern Rankin: Message me or reach out for a meeting
https://ovou.com/lavernrankin

Life Insurance Is One Of The Most Important Financial Tools To Protect Your Family And Secure Their Future. This Is Why:

𝟭. 𝗙𝗶𝗻𝗮𝗻𝗰𝗶𝗮𝗹 𝗣𝗿𝗼𝘁𝗲𝗰𝘁𝗶𝗼𝗻 𝗳𝗼𝗿 𝗬𝗼𝘂𝗿 𝗙𝗮𝗺𝗶𝗹𝘆

𝟮. 𝗜𝗻𝗰𝗼𝗺𝗲 𝗥𝗲𝗽𝗹𝗮𝗰𝗲𝗺𝗲𝗻𝘁

𝟯. 𝗙𝘂𝘁𝘂𝗿𝗲 𝗦𝗲𝗰𝘂𝗿𝗶𝘁𝘆

𝟰. 𝗗𝗲𝗯𝘁 𝗣𝗿𝗼𝘁𝗲𝗰𝘁𝗶𝗼𝗻

𝟱. 𝗪𝗲𝗮𝗹𝘁𝗵 & 𝗘𝘀𝘁𝗮𝘁𝗲 𝗣𝗹𝗮𝗻𝗻𝗶𝗻𝗴

𝟲. 𝗣𝗲𝗮𝗰𝗲 𝗼𝗳 𝗠𝗶𝗻𝗱

𝟳. 𝗧𝗮𝘅 𝗔𝗱𝘃𝗮𝗻𝘁𝗮𝗴𝗲𝘀 (𝗖𝗮𝗻𝗮𝗱𝗮)

Better to have it and not need it than to need it and not have it.
$ 500 k, 35 year old non-smoker 30 year term: $ 42.75 per month.
Protect your wife and family, in case you aren't here for them.

Message me or set up a quick meet to see how this can help you.
https://ovou.com/lavernrankin

For a Canadian business owner, the “don’t pay 50% when you withdraw" message is usually referring to the top personal tax rate on salary/dividends in Canada, especially in provinces like Alberta where the combined rate can approach ~50 % or higher, depending on income type and year.

The “better way” is usually one (or a combination) of 4 corporate extraction strategies noted below.

𝗨𝗦𝗘 𝗖𝗢𝗥𝗣𝗢𝗥𝗔𝗧𝗘 𝗔𝗦𝗦𝗘𝗧𝗦 𝗧𝗢 𝗥𝗘𝗣𝗢𝗦𝗜𝗧𝗜𝗢𝗡 𝗙𝗨𝗧𝗨𝗥𝗘 𝗪𝗜𝗧𝗛𝗗𝗥𝗔𝗪𝗔𝗟𝗦 𝗦𝗢 𝗧𝗛𝗘𝗬 𝗖𝗢𝗠𝗘 𝗢𝗨𝗧 𝗔𝗦 𝗟𝗢𝗔𝗡𝗦, 𝗖𝗗𝗔 𝗗𝗜𝗩𝗜𝗗𝗘𝗡𝗗𝗦, 𝗖𝗔𝗣𝗜𝗧𝗔𝗟 𝗚𝗔𝗜𝗡𝗦, 𝗢𝗥 𝗘𝗦𝗧𝗔𝗧𝗘 𝗣𝗥𝗢𝗖𝗘𝗘𝗗𝗦 𝗜𝗡𝗦𝗧𝗘𝗔𝗗 𝗢𝗙 𝗙𝗨𝗟𝗟𝗬 𝗧𝗔𝗫𝗔𝗕𝗟𝗘 𝗗𝗜𝗩𝗜𝗗𝗘𝗡𝗗𝗦 𝗢𝗥 𝗜𝗡𝗖𝗢𝗠𝗘.

𝗛𝗲𝗿𝗲 𝗮𝗿𝗲 𝘀𝗼𝗺𝗲 𝗱𝗲𝘁𝗮𝗶𝗹𝘀:

𝟭) 𝗖𝗼𝗿𝗽𝗼𝗿𝗮𝘁𝗲-𝗢𝘄𝗻𝗲𝗱 𝗟𝗶𝗳𝗲 𝗜𝗻𝘀𝘂𝗿𝗮𝗻𝗰𝗲 (𝗠𝗢𝗦𝗧 𝗟𝗜𝗞𝗘𝗟𝗬) - 𝗛𝗼𝘄 𝗶𝘁 𝘄𝗼𝗿𝗸𝘀
𝗬𝗼𝘂𝗿 𝗰𝗼𝗿𝗽𝗼𝗿𝗮𝘁𝗶𝗼𝗻 𝗵𝗮𝘀 𝗿𝗲𝘁𝗮𝗶𝗻𝗲𝗱 𝗲𝗮𝗿𝗻𝗶𝗻𝗴𝘀.

I𝗻𝘀𝘁𝗲𝗮𝗱 𝗼𝗳:
• paying yourself a dividend
• losing ~45–50% personally
• investing the after-tax leftovers

𝗧𝗵𝗲 𝗰𝗼𝗿𝗽𝗼𝗿𝗮𝘁𝗶𝗼𝗻:
• buys a participating whole life or UL policy
• corporation is owner + beneficiary
• cash value grows tax-sheltered inside the policy
• on death, death benefit flows tax-free to the corp
• most of the death benefit is credited to the CDA
• CDA can then be paid to heirs tax-free

𝗙𝗼𝗿 𝗺𝗼𝗿𝗲 𝗶𝗻𝗳𝗼 𝗼𝗻 𝘁𝗵𝗲𝘀𝗲 𝗮𝗱𝗶𝘁𝗼𝗻𝗮𝗹 𝘁𝗵𝗿𝗲𝗲, 𝗷𝘂𝘀𝘁 𝗹𝗲𝘁 𝗺𝗲 𝗸𝗻𝗼𝘄 𝗮𝗻𝗱 𝗜 𝗰𝗮𝗻 𝗽𝗮𝘀𝘀 𝗶𝘁 𝗼𝗻 ( 𝗻𝗼𝘁 𝗲𝗻𝗼𝘂𝗴𝗵 𝗿𝗼𝗼𝗺 𝗼𝗻 𝘁𝗵𝗶𝘀 𝗽𝗼𝘀𝘁 𝘁𝗼 𝗶𝗻𝗰𝗹𝘂𝗱𝗲 )

𝟮) 𝗜𝗻𝘀𝘂𝗿𝗲𝗱 𝗥𝗲𝘁𝗶𝗿𝗲𝗺𝗲𝗻𝘁 𝗣𝗹𝗮𝗻 / 𝗜𝗺𝗺𝗲𝗱𝗶𝗮𝘁𝗲 𝗙𝗶𝗻𝗮𝗻𝗰𝗶𝗻𝗴 𝗔𝗿𝗿𝗮𝗻𝗴𝗲𝗺𝗲𝗻𝘁 - 𝗟𝗶𝘃𝗶𝗻𝗴 𝗕𝗲𝗻𝗲𝗳𝗶𝘁𝘀
𝟯) 𝗛𝗼𝗹𝗱𝗰𝗼 + 𝗖𝗮𝗽𝗶𝘁𝗮𝗹 𝗗𝗶𝘃𝗶𝗱𝗲𝗻𝗱 𝗔𝗰𝗰𝗼𝘂𝗻𝘁
4) 𝗘𝘀𝘁𝗮𝘁𝗲 𝗙𝗿𝗲𝗲𝘇𝗲 / 𝗧𝗿𝘂𝘀𝘁 / 𝗣𝗶𝗽𝗲𝗹𝗶𝗻𝗲 𝗣𝗹𝗮𝗻𝗻𝗶𝗻𝗴

𝗪𝗛𝗘𝗥𝗘 𝗧𝗛𝗜𝗦 𝗖𝗔𝗡 𝗚𝗢 𝗪𝗥𝗢𝗡𝗚
This is the important part.
These strategies are excellent when properly designed, but dangerous if not.

Lavern Rankin
https://ovou.com/lavernrankin

𝗥𝗘𝗧𝗜𝗥𝗘𝗠𝗘𝗡𝗧 𝗜𝗦 𝗠𝗨𝗖𝗛 𝗠𝗢𝗥𝗘 𝗧𝗛𝗔𝗡 𝗝𝗨𝗦𝗧 𝗦𝗔𝗩𝗜𝗡𝗚 𝗠𝗢𝗡𝗘𝗬

𝟱 𝗦𝘁𝗿𝗮𝘁𝗲𝗴𝗶𝗰 𝗗𝗲𝗰𝗶𝘀𝗶𝗼𝗻𝘀 𝗧𝗵𝗮𝘁 𝗖𝗮𝗻 𝗦𝗵𝗮𝗽𝗲 𝗬𝗼𝘂𝗿 𝗥𝗲𝘁𝗶𝗿𝗲𝗺𝗲𝗻𝘁

Many people assume retirement planning is simply about saving enough money.

But after working with families and business owners for many years, I’ve noticed something interesting:

𝗠𝗼𝘀𝘁 𝗿𝗲𝘁𝗶𝗿𝗲𝗺𝗲𝗻𝘁 𝗽𝗿𝗼𝗯𝗹𝗲𝗺𝘀 𝗱𝗼𝗻’𝘁 𝗰𝗼𝗺𝗲 𝗳𝗿𝗼𝗺 𝗻𝗼𝘁 𝘀𝗮𝘃𝗶𝗻𝗴 𝗲𝗻𝗼𝘂𝗴𝗵.
T𝗵𝗲𝘆 𝗰𝗼𝗺𝗲 𝗳𝗿𝗼𝗺 𝗻𝗼𝘁 𝗽𝗹𝗮𝗻𝗻𝗶𝗻𝗴 𝘁𝗵𝗲 𝗶𝗻𝗰𝗼𝗺𝗲 𝘀𝘁𝗿𝗮𝘁𝗲𝗴𝘆.

I’ve seen situations where people worked hard, saved diligently, and still found themselves worried in their 60s because they didn’t plan around questions like:

• 𝗪𝗵𝗲𝗻 𝘀𝗵𝗼𝘂𝗹𝗱 𝗜 𝘀𝘁𝗮𝗿𝘁 𝗖𝗣𝗣 𝗼𝗿 𝗢𝗔𝗦?
• 𝗦𝗵𝗼𝘂𝗹𝗱 𝗜 𝗱𝗿𝗮𝘄 𝗳𝗿𝗼𝗺 𝗥𝗥𝗦𝗣𝘀 𝗳𝗶𝗿𝘀𝘁 𝗼𝗿 𝗹𝗮𝘁𝗲𝗿?
• 𝗛𝗼𝘄 𝗱𝗼 𝗜 𝗿𝗲𝗱𝘂𝗰𝗲 𝘁𝗮𝘅𝗲𝘀 𝗶𝗻 𝗿𝗲𝘁𝗶𝗿𝗲𝗺𝗲𝗻𝘁?
• 𝗪𝗵𝗮𝘁 𝗵𝗮𝗽𝗽𝗲𝗻𝘀 𝗶𝗳 𝗼𝗻𝗲 𝘀𝗽𝗼𝘂𝘀𝗲 𝗽𝗮𝘀𝘀𝗲𝘀 𝗮𝘄𝗮𝘆?
• 𝗪𝗵𝗮𝘁 𝗶𝗳 𝗺𝗮𝗿𝗸𝗲𝘁𝘀 𝗱𝗲𝗰𝗹𝗶𝗻𝗲 𝗲𝗮𝗿𝗹𝘆 𝗶𝗻 𝗿𝗲𝘁𝗶𝗿𝗲𝗺𝗲𝗻𝘁?

Retirement isn’t just about building wealth.

It’s about turning that wealth into reliable income for the rest of your life.

𝗦𝗼𝗺𝗲 𝗼𝗳 𝘁𝗵𝗲 𝗺𝗼𝘀𝘁 𝗶𝗺𝗽𝗼𝗿𝘁𝗮𝗻𝘁 𝗽𝗿𝗶𝗻𝗰𝗶𝗽𝗹𝗲𝘀 𝗜 𝗱𝗶𝘀𝗰𝘂𝘀𝘀 𝘄𝗶𝘁𝗵 𝗰𝗹𝗶𝗲𝗻𝘁𝘀 𝗮𝗿𝗲:

Save and invest consistently
Maximize RRSP and TFSA opportunities wisely
Enter retirement with minimal debt
Plan for healthcare and unexpected expenses
Carefully plan when to start CPP and OAS

Small decisions in these areas can make hundreds of thousands of dollars of difference over a lifetime.

And sometimes the difference between a stressful retirement and a confident one comes down to a few strategic planning decisions made years earlier.

If retirement is within the next 10–15 years, it’s usually a good time to start thinking about the income strategy — not just the savings.

Because retirement shouldn’t feel like stepping into uncertainty.

𝗞𝗻𝗼𝘄 𝘆𝗼𝘂𝗿 𝗼𝗽𝘁𝗶𝗼ns, 𝗮𝗻𝗱 𝗜 𝘄𝗶𝗹𝗹 𝗵𝗲𝗹𝗽 𝘆𝗼𝘂 𝗯𝘂𝗶𝗹𝗱 𝗮 𝗽𝗹𝗮𝗻.

Book a quick meeting here:
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RETIREMENT TIPS AND FAMILY MEMORIES.

𝗦𝗮𝘃𝗲 𝗮𝗻𝗱 𝗶𝗻𝘃𝗲𝘀𝘁 𝗰𝗼𝗻𝘀𝗶𝘀𝘁𝗲𝗻𝘁𝗹𝘆
Building retirement security starts with regular contributions and long-term investing.

𝗠𝗮𝘅𝗶𝗺𝗶𝘇𝗲 𝗰𝗼𝗻𝘁𝗿𝗶𝗯𝘂𝘁𝗶𝗼𝗻𝘀 𝘁𝗼 𝗿𝗲𝘁𝗶𝗿𝗲𝗺𝗲𝗻𝘁 𝗮𝗰𝗰𝗼𝘂𝗻𝘁𝘀
Take full advantage of tax-efficient accounts like RRSPs and TFSAs to grow wealth faster and ballance them correctly.

𝗥𝗲𝗱𝘂𝗰𝗲 𝗮𝗻𝗱 𝗲𝗹𝗶𝗺𝗶𝗻𝗮𝘁𝗲 𝗱𝗲𝗯𝘁 𝗯𝗲𝗳𝗼𝗿𝗲 𝗿𝗲𝘁𝗶𝗿𝗲𝗺𝗲𝗻𝘁
Entering retirement with minimal debt helps preserve your income and lowers financial stress.

𝗣𝗹𝗮𝗻 𝗳𝗼𝗿 𝗵𝗲𝗮𝗹𝘁𝗵𝗰𝗮𝗿𝗲 𝗮𝗻𝗱 𝘂𝗻𝗲𝘅𝗽𝗲𝗰𝘁𝗲𝗱 𝗲𝘅𝗽𝗲𝗻𝘀𝗲𝘀
Medical costs, long-term care, and inflation can impact retirement more than many people expect.

𝗖𝗼𝗻𝘀𝗶𝗱𝗲𝗿 𝘄𝗵𝗲𝗻 𝘁𝗼 𝗰𝗹𝗮𝗶𝗺 𝗖𝗣𝗣 & 𝗢𝗔𝗦
Strategically timing Canada Pension Plan (CPP) and Old Age Security (OAS) can significantly affect your lifetime retirement income.

𝗥𝗥𝗦𝗣 𝗗𝗘𝗔𝗗𝗟𝗜𝗡𝗘 𝗠𝗜𝗡𝗗𝗦𝗘𝗧

𝟭𝟬 𝗗𝗔𝗬𝗦 𝗧𝗢 𝗧𝗛𝗘 𝗗𝗘𝗔𝗗𝗟𝗜𝗡𝗘
TIME IS RUNNING OUT

𝗪𝗵𝘆 𝗧𝗵𝗶𝘀 𝗬𝗲𝗮𝗿 𝗖𝗮𝗻 𝗕𝗲 𝘁𝗵𝗲 𝗧𝘂𝗿𝗻𝗶𝗻𝗴 𝗣𝗼𝗶𝗻𝘁

Every RRSP season, people tell themselves that I’ll do better next year.

For many, next year never comes, but you can make this year the year that matters.

Know your options.

Book a quick meeting here: https://api.leadconnectorhq.com/widget/bookings/my-round-robinszauv2u

Or send me a message any time at [email protected]

𝟭𝟭 𝗗𝗔𝗬𝗦 𝗧𝗢 𝗧𝗛𝗘 𝗗𝗘𝗔𝗗𝗟𝗜𝗡𝗘
TIME IS RUNNING OUT

Here is a Last-Minute RRSP Planning Checklist

Step 1 — Confirm Your RRSP Room
Step 2 — Know Your Marginal Tax Rate
Step 3 — Decide Contribution Size
Step 4 — Evaluate Cash vs Loan
Step 5 — Make A Smart Plan For The Refund
Step 6 — Invest Appropriately

Scroll through to get a little more detail and then lets get together to work out a plan for you.

Know your options.

Book a quick meeting here: https://api.leadconnectorhq.com/widget/bookings/my-round-robinszauv2u

Or send me a message any time at [email protected]

𝟭𝟮 𝗗𝗔𝗬𝗦 𝗧𝗢 𝗧𝗛𝗘 𝗗𝗘𝗔𝗗𝗟𝗜𝗡𝗘
TIME IS RUNNING OUT

After You Do An RRSP Loan, What You Do Next Determines
Whether The Loan Strategy Works

The refund is not the reward.
It’s the fuel.
Used intentionally, it turns a good RRSP
decision into a great one.

Know your options.

Book a quick meeting here: https://api.leadconnectorhq.com/widget/bookings/my-round-robinszauv2u

Or send me a message any time at [email protected]

𝟭𝟯 𝗗𝗔𝗬𝗦 𝗧𝗢 𝗧𝗛𝗘 𝗗𝗘𝗔𝗗𝗟𝗜𝗡𝗘
TIME IS RUNNING OUT

An RRSP loan can help and do some of the heavy lifting to reduce taxes on an unexpected good income year.

It can also accelerate a contribution you were going to make later anyway.

This will result in accelerating compounded investment growth.

Know your options.

Book a quick meeting here: https://api.leadconnectorhq.com/widget/bookings/my-round-robinszauv2u

Or send me a message any time at [email protected]

𝗛𝗔𝗣𝗣𝗬 𝗙𝗔𝗠𝗜𝗟𝗬 𝗗𝗔𝗬 !

Take time to relax with your family and be thankful for all that life has blessed upon you, especially family.

And when you have a moment, talk about how you can ensure they are safe, protected and cared for when you're no longer with them or unable to physically help them.

Know your options.

Book a quick meeting here: https://api.leadconnectorhq.com/widget/bookings/my-round-robinszauv2u

Or send me a message any time at [email protected]