Bogdan Spineanu, CPA auditor

The threat of privatization, rising costs and changing educational models are challenges universities face. Learn how EY can help add value to your organization and define the future of the education sector: https://go.ey.com/3xNHiWd #EYCanada #BetterWorkingWorld

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As a newly minted 'Swifty', I thought it'd be a fun experiment to attempt to tie in Taylor Swift with the GTA Accounting & Finance Market. Here we go...✨ Much like the buzz around Taylor Swift's Eras Tour, the accounting and finance job market in the Greater Toronto Area is highly competitive right now, with top talent vying for the most coveted roles and new career opportunities hitting all the right notes! 💼✨ Here's how the market trends are like a Taylor Swift album—each "era" brings something unique: 📊 The “Reputation” Era – Financial Reporting & Analysis: The demand for financial analysts is stronger than ever, with businesses wanting to track performance and make strategic decisions. It’s like the era where Swift took control of her narrative. Same goes for analysts helping companies steer the course in tough times. 💼 The “1989” Era – Tax & Compliance: Just like the synth-pop revolution in 1989, tax professionals are shaking it off and adapting to new regulations and year-end filings. 🧐 The “Fearless” Era – Audit & Assurance: The bold and transparent Fearless era mirrors the increasing demand for auditors. Companies are hiring auditors who aren’t afraid to speak up and improve internal controls. After all, being fearless in your career means finding the right opportunities. 🚀 The “Lover” Era – Financial Systems & Technology: Tech roles in finance are the new “love story” of the market. Whether it's fintech, data analytics, or automation, these roles are growing fast—up 17% year-over-year. It’s the time for those who have the heart and the tech skills to make an impact. 🔑 Currently Recruiting For: - Property Accountant (Real Estate) - Intermediate/Senior Accountant (Government - Crown Corp) - Development Accountant (Real Estate) - Financial Analyst (Asset Management) - Senior Fund Accountant (Asset Management) - Senior Financial Analyst (SAAS) - Senior Financial Analyst (Real Estate) - Manager, Finance (Asset Management) - Manager, Reporting (Real Estate) - Director, M&A (SAAS) - Finance Director (SAAS) 👉 DM me or drop a comment below to discuss how you can land your own "Midnights" moment in the job market. #GTA #AccountingJobs #FinanceCareers #JobSearch #FinanceToronto #Recruiting #CareerOpportunities _______________________________ [email protected]

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Executor Estate Settlement Services - (EESS) ESTATE PLANNING ESSENTIALS - Preparing your executor/liquidator (in Quebec) to help your beneficiaries The very relevant article below was written by Lana Sanichar who is president and editor-in-chief of Canadian Money-Saver magazine. Estate planning is not only about ensuring money gets to your beneficiaries; it's also about preparing your liquidator for their responsibilities. He or she will bear the responsibility of executing your wishes, so it's vital to equip them adequately. David Edey, a certified executor advisor, identifies these key steps to preparing your liquidator: 1) HAVE OPEN COMMUNICATION. Initiate discussions with your liquidator about your estate plans. Share the location of important documents, including your will, insurance policies and financial accounts. Regularly update them on any changes. 2) COMPLETE ALL LEGAL DOCUMENTATION. Consult with an experienced notary to create a legally sound will and estate plan. Ensure your liquidator knows who your notary is and how to contact them. Your notary can provide guidance to your liquidator regarding their legal obligations and navigating the probate process if necessary. 3) MAKE YOUR WISHES KNOWN. Prepare a comprehensive list of your wishes, including bequests, charitable donations and unique considerations. Document your intentions for the distribution of your assets, belongings and even digital assets such as online accounts and social media. 4) INTRODUCE YOUR TEAM Provide your liquidator with a list of your financial advisors, accountants and bankers who can offer guidance. Clarify any investment strategies, outstanding debts or loans they need to address. 5) KEEP ORGANIZED RECORDS Maintain organized records of your financial statements, property titles and other essential documents. Clearly label and store them in a secure location that your liquidator can easily access. 6) HAVE A CONTINGENCY PLAN Consider naming a backup. This helps to ensure continuity in case your primary liquidator is unable to fulfill their role. 7) REVIEW AND UPDATE Regularly review and update your estate plan, especially after significant life events like marriages, divorces, births or the acquisition of new assets. Preparing your liquidator is important to creating an estate plan. This proactive approach can help provide peace of mind for you and your loved ones in the years to come. I can assist clients organize their affairs while they are alive, as well as provide guidance in the settlement process of the estate or settle the estate completely. With extensive management consulting experience in personal tax planning, I am a well-rounded advisor with patience, empathy, and understand sensitive family dynamics. To learn more about the Executor Estate Settlement Services (EESS), please look at my website: https://jgrossman.ca #estateplanning #estateadministration #estatesettlement #liquidator #executor #cpa #consultant

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Absolutely agree! We need to be weary of the real motivation behind these proposed tax changes. Important not to have a knee-jerk reaction, take the time to review your next steps from all angles. Thanks for the heads up Aaron Hector, CFP, R.F.P., TEP #taxplanning #amtplanning

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As the end of 2024 approaches, it's a great time to review finances and make strategic adjustments. Here are some key financial considerations (continued): Review Investments • Portfolio Rebalancing • Tax-Loss Harvesting Consider Tax-Efficient Investments • Dividend Income • RRSP Contributions Review Investment Accounts • TFSA Contributions • RESP for Education Savings Contact us to schedule a year-end financial review and make sure you’re on the right track for 2025

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Executor Estate Settlement Services (EESS) QUESTIONS AND ANSWERS (PART2) Q1) Can siblings force the sale of inherited property in Quebec? A1) The simple answer to this is, yes. If your sibling, or siblings, wants to sell the property and you want to keep it, they can apply to the court for a partition action. It's often better to buy them out. Q2) Do you have to report inheritance money to CRA and Revenue Quebec? A2) A common misconception among people is that they can be taxed on money they inherit. The truth is, there is no inheritance tax in Canada. Q3) Who is entitled to see a copy of a will in Quebec? A3) If the testator, the person who made the will is still alive, he or she is the only person who can request a copy of his or her will from the notary. Q4) Is a handwritten will legal in Quebec? A4) You can draw up the will yourself by hand or using a computer. You must declare that it is your will and sign it in the presence of two witnesses. These types of wills will have to be probated before a court. Q5) Can I sell my house to my son or daughter for $1 in Canada? A5) In Canada, it is not advisable to transfer ownership of real estate to family members for anything other than fair market value. However, an alternative would be to give the person cash that they can then use to purchase the property at fair market value. Settling an estate can be an overwhelming process and with many steps involved - you may not know where to start. I work closely with many clients to ensure the estate settlement process is smooth while they are going through a difficult time. Whether you need guidance on the settlement process or need the estate settled from A to Z, I'll be your right hand person. To learn more about the Executor Estate Settlement Services (EESS), head over to our website: https://jgrossman.ca #estatesettlement #estateadministration #estate #estateplanning #cpa #consultant #executor #liquidator

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New insights from KPMG provide a comprehensive, first-of-its-kind examination of how global studios and streamers positively impact the Canadian industry. See how at: https://lnkd.in/gs_RbaK5

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What to know about different registered accounts? The post TFSA vs RRSP vs FHSA: Your Top Questions Answered  appeared first on Discover & Learn.

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What to know about different registered accounts? The post TFSA vs RRSP vs FHSA: Your Top Questions Answered  appeared first on Discover & Learn.

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What to know about different registered accounts? The post TFSA vs RRSP vs FHSA: Your Top Questions Answered  appeared first on Discover & Learn.

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What to know about different registered accounts? The post TFSA vs RRSP vs FHSA: Your Top Questions Answered  appeared first on Discover & Learn.

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Quebec 2024/2025 Income Tax Calculator The 2024 Quebec Income Tax Calculator now includes 2025. It's a great planning tool that can help you determine the best RRSP or FHSA contributions, pension splitting amounts, or donations for 2024. Of course, it's never too early to start 2025 tax planning! #CdnTax #Quebec https://lnkd.in/dU9Y6D-t

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Lately we’ve seen: - The ECB and Bank of Canada lead rate cuts - Flat FX volatility and increased eFX interest - Cash remaining to be deemed an asset class across developed nations (with high rates). It’s no bad thing knowing what options/roles are available to you during uncertain times. DM me to explore further.

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Maximizing Your TFSA: The Benefits of Streamlining to Just One Account Are you getting the most out of your Tax-Free Savings Account (TFSA)? Simplifying your TFSA strategy can lead to significant advantages and avoid that daunting "over-contribution tax". Read on to explore the benefits of consolidating your TFSA accounts below. At Wyder Wealth Partners, we help clients optimize their financial strategies. Whether you’re looking to consolidate your TFSA accounts or need guidance on maximizing your investments, we are here to help. #TFSA #Investing #FinancialPlanning #PersonalFinance #WealthManagement

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Exciting Developments in Quebec's Financial Landscape As of January 1, 2025, Quebec's Life Income Funds (LIFs) regulations are set for significant amendments, marking a pivotal moment for retirement planning across the province. Here's what you need to know: 1️⃣ Increased Flexibility: The maximum withdrawal restrictions for individuals aged 55 and above have been entirely eliminated. This empowers retirees with greater control over their financial futures, allowing for more adaptable income planning strategies. 2️⃣ Tailored Limits: For individuals under the age of 55, adjustments have been made to the upper limits of both life income and temporary income. These changes aim to better align with evolving retirement needs and expectations, ensuring a balanced approach to financial security. 3️⃣ Transfers Update: Effective 2025, direct transfers from a LIF to an RRSP or RRIF will no longer be permitted. This shift underscores the importance of diversified retirement planning and encourages individuals to explore alternative avenues for managing their savings effectively. ℹ️ These amendments reflect Quebec's commitment to modernizing financial regulations, promoting sustainable retirement practices, and empowering individuals to navigate their financial journeys with confidence. Join me in embracing these transformative changes and stay tuned for more insights as we navigate this exciting new chapter in Quebec's financial landscape! #QuebecFinance #LIFAmendments #FinancialPlanning #RetirementStrategies

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