Market swings can make even experienced investors question their next move. A portfolio that once felt balanced may now depend too heavily on a few holdings. Selling can trigger an unexpected tax bill, while holding on without a clear plan can leave you exposed to more risk than you intended. Add conflicting headlines and approaching year-end deadlines, and the pressure to act can overshadow the need to act thoughtfully.
The next step is to bring investment decisions and tax planning into the same conversation. Before making changes, investors need to understand their exposures, consider the tax consequences, and establish a disciplined approach that reflects their goals, cash-flow needs, and time horizon.
Jointly hosted by Brook Wagman and Crowe BGK, this webinar features Joseph Brook, Partner at Brook Wagman; Chris Stevens, Partner at Crowe BGK; and Aaron Patrick Belcher, Partner at Crowe BGK. Together, they’ll lead a practical discussion on Canadian investing and tax planning, exploring how to avoid costly mistakes, manage risk during volatile markets, and make investment decisions with tax implications in mind.
Through practical scenarios, the discussion will connect investment strategy with tax considerations, including concentrated holdings, portfolio rebalancing, capital gains and losses, and the roles of registered and non-registered accounts. The panel will also explore how emotional reactions can derail a sound plan, which year-end planning priorities deserve attention, and why coordinating with your investment and tax advisers matters before making a transaction.
Attendees will learn:
- Recognize costly investment behaviours: Identify how panic selling, chasing returns, and delaying decisions can undermine your long-term plan.
- Uncover hidden concentration risk: Assess whether individual holdings, sectors, or geographic exposures have become too dominant.
- Rebalance with taxes in mind: Weigh portfolio adjustments against potential capital gains and your broader financial needs.
- Evaluate tax-loss selling: Understand its potential role, the relevance of Canada’s superficial loss rules, and the questions to ask before acting.
- Coordinate your investment accounts: Consider how TFSAs, RRSPs, RRIFs, and non-registered accounts fit into an integrated investment and tax strategy.
- Plan for cash needs during volatility: Connect upcoming withdrawals and spending with portfolio liquidity and potential tax consequences.
- Identify year-end priorities: Know which investment and tax matters to review with your advisers before December 31.
- Build a disciplined decision process: Establish when to stay the course, when to reassess, and when to bring your investment and tax advisers together.
