O'Neill Review | Summer 2024
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Spring was a delightful season of renewal and exploration. I began with a memorable trip to Florence with Manulife. From there, I journeyed across Italy, soaking in its rich historical landmarks and indulging in its exquisite cuisine and wines.
In business developments, I'm pleased to share that our recent merger with Axis has been highly successful. Our clients continue to benefit from our exceptional service and we're enthusiastic about the new opportunities stemming from this collaboration.
Furthermore, I'm thrilled to announce the addition of two new team members: Tamara, who joins us as our dedicated receptionist, and Kathy, who brings her expertise as our new Employee Benefits Service Specialist.
Wishing you a wonderful and relaxing summer season!
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Bridging the Gender Health Gap: Supporting Women Through Workplace Benefits
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Navigating Canada's New Capital Gains Tax: The Role of Life Insurance in Estate Planning
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Live Your Best Life Longer
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Meet Our Pets!
What would life be like without little (or not so little) four legged friends? Research indicates that owning pets can significantly enhance mental well-being through companionship and daily routines. Pet ownership has also been linked to better physical health, with pet owners having increased physical activity. At O’Neill Group, many of us are proud pet owners and we're excited to share a bit about them with you. Our pets bring immense joy into our lives, and we hope they'll bring joy into yours too.
Click here to read more.
Explore Canada
Canada offers a wealth of activities and sights to suit every traveler's passion, promising unforgettable experiences across its diverse landscapes and vibrant cities. Explore the rugged Rockies with their majestic peaks and turquoise lakes, or delve into the bustling urban life of Vancouver and Toronto, where multiculturalism thrives amid stunning architecture and world-class cuisine. Dive into history in Quebec City's charming old town, or venture into British Columbia's rainforests for encounters with incredible wildlife. Canada presents a rich tapestry of bucket list adventures waiting to be explored.
Click here to read more.
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Bridging the Gender Health Gap: Supporting Women Through Workplace Benefits
The gender health gap significantly impacts women in the workplace who face a wide range of unique health challenges. For instance, while one-quarter of Canadian workers are women over age 40, many struggle with menopause symptoms that affect their performance, absenteeism and well-being. Shockingly, one in ten leaving their job due to unmanaged symptoms.
Employers have a crucial role to play in bridging this gender health gap. Providing comprehensive and inclusive benefits that address the specific needs of female employees is not just a matter of fairness, but also makes economic sense. Sun Life, in partnership with IPSOS, studied the needs of Canadian working women and the role employee benefits can play in supporting their wellness and productivity.
For more information on how to create a more inclusive and supportive work environment and align with broader DE&I goals, we have provided the following resources:
The Gender Health Gap
Workplace DE&I Playbook
Menopause Workplace Playbook
Click here to read more.
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Navigating Canada's New Capital Gains Tax: The Role of Life Insurance in Estate Planning
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In June 2024, Canada revamped its capital gains tax, raising the inclusion rate to 66% for gains over $250,000. This shift has spurred a rush among taxpayers and advisors to manage gains before the deadline, particularly in estate planning. Life insurance has become pivotal in mitigating higher tax burdens upon death, ensuring more of the estate goes to beneficiaries. Its tax-efficient advantages are now crucial for protecting wealth and securing financial legacies amidst the changing tax landscape.
Click here to read more.
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Live Your Best Life Longer
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When building investment portfolios and preparing retirement income illustrations, we work with the variables we can control to influence the variable we cannot control. For example, we can develop a retirement savings strategy with clearly defined contributions amounts, and we can work together to create a portfolio which is more likely to follow-certain rate of return patterns (i.e. – conservative vs. growth). We cannot control the subsequent rate of return of the investment portfolio. In short, we do our best to prepare for the unexpected.
How we view our longevity and related life expectancy is no different. While we cannot directly control exactly how long we will live, we can adopt certain behaviors which will positively affect our longevity.
The following article looks at a few ideas on how we can not only influence our own longevity, but also make the journey more enjoyable!
Click here to read more.
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