Courtiers HFH Brokers Inc.

06/12/2025

Tax Concepts for Business Owners

🏦 You’ve Built Wealth. But Can You Pass It On—Tax-Efficiently?

🏢 You own a thriving business.
🏦 Cash flow is strong, assets over $10M, dividends roll in every year.

But here’s the problem:

Dividend taxes are steep 📈

Capital gains keep rising 📈

Passing wealth to your kids? A potential tax bomb 💣

💡There’s a smarter way:
💡 Corporate-Owned Life Insurance

📌 Under Canadian tax law:

🔎 👍 Payouts are tax-free

🔎 👍 No probate or estate tax

🔎👍 Funds go through the CDA—no double taxation

⚖️ Versus:

👉 TFSA: small room

👉 Stocks/real estate: taxable

👉 Regular accounts: no clean transfer

This strategy is ideal if you:
✔️ Have retained earnings
✔️ Want tax-smart legacy planning
✔️ Prefer control over your wealth

💬 Want to see if this works for your structure? Let’s chat.

06/12/2025

There is about two weeks left to apply for Sun Life’s critical illness insurance plan and receive a cheque equivalent to 3 months premium for adults and 6 months premium for children. The promotion will end on June 30, 2025. DM me for details and a free consultation session.
If clients become critically ill, they should focus on their health, their recovery, the health of their families, and not their finances .

03/26/2025

Bringing authenticity to the table and making sure all our clients will be in a better position to achieve their financial goals and leave a lasting legacy.

Sharing a LinkedIn post by César Solís, which I love and I couldn’t agree more.

Leadership isn’t about titles or power; it’s about service, impact, and the ability to create opportunities for those around you. A true leader doesn’t just speak of change—they embody it. They lead by example, they listen more than they speak, build more than they tear down, and uplift rather than suppress.

Authenticity in action means showing up when it matters, and making sacrifices for the greater good. It’s mentoring without expectation, giving without seeking recognition, and choosing courage over comfort. It’s about making decisions that align with your principles, and values, even when no one is watching.

In every industry, in every community, and in every moment of our lives, we have the opportunity to lead—not by our words, but by our actions. We can influence, inspire, lead, and impact others by sharing our thoughts, experiences and wisdom.

Je partage un excellent article sur LinkedIn de César Solís, et je ne pourrais pas être plus d’accord.

Le leadership n'est pas une question de titres ou de pouvoir ; il s'agit de service, d'impact et de la capacité de créer des opportunités pour ceux qui vous entourent. Un vrai leader ne se contente pas de parler de changement : il l’incarne. Ils donnent l'exemple, ils écoutent plus qu'ils ne parlent, construisent plus qu'ils ne détruisent et élèvent plutôt qu'ils ne répriment.

L'authenticité en action signifie être présent quand ça compte et faire des sacrifices pour le bien commun. Il s'agit de mentorer sans attente, de donner sans rechercher de reconnaissance et de choisir le courage plutôt que le confort. Il s'agit de prendre des décisions qui correspondent à vos principes et à vos valeurs, même lorsque personne ne vous regarde.

Dans chaque secteur, dans chaque communauté et à chaque instant de notre vie, nous avons la possibilité de diriger, non pas par nos paroles, mais par nos actions. On peut influencer, inspirer, diriger et avoir un impact sur les autres en partageant nos pensées, nos expériences et notre sagesse.

03/15/2025

Built by Canadians for Canadians. For more than 100 years, Empire Life has been helping individuals, families and businesses navigate life with confidence by providing intelligent solutions that help them achieve their financial goals.

An advisor can show you how Life Insurance provides financial security for your loved ones in the event of a death by: Replacing lost income, Covering debts, and more...

12/25/2024

We often forget that we can still give for a great cause even when we passed away….charitable giving is an option. Ask us how.

12/25/2024

Fen Huang Fen Huang Billy Hui

Dear Valued Clients,

As the holiday season is upon us, we want to take a moment to express our heartfelt gratitude for your loyalty and support throughout the year. It’s because of you that we continue to grow and thrive.

Whether you’re celebrating Christmas, Hanukkah, or simply enjoying the warmth of the season, we wish you and your loved ones joy, peace, and prosperity. May this time of year bring you happiness and set the stage for a wonderful year ahead.

Thank you for trusting us with your business. We look forward to serving you in the year to come!

Warm holiday wishes 🥳🎄🕎🎁🥂,
💖 Fen, Billy, Talisa & Megan 💖
Hsiao Fen Huang Brokers Inc.

12/25/2024

Dear Valued Clients,

As the holiday season is upon us, we want to take a moment to express our heartfelt gratitude for your loyalty and support throughout the year. It’s because of you that we continue to grow and thrive.

Whether you’re celebrating Christmas, Hanukkah, or simply enjoying the warmth of the season, we wish you and your loved ones joy, peace, and prosperity. May this time of year bring you happiness and set the stage for a wonderful year ahead.

Thank you for trusting us with your business. We look forward to serving you in the year to come!

Warm holiday wishes 🥳🎄🕎🎁🥂,
💖 Fen, Billy, Talisa & Megan 💖
Hsiao Fen Huang Brokers Inc.

11/10/2024

Très intéressant de nous contacter pour en savoir plus davantage sur votre situation personnelle et avoir plus d’informations concernant votre relevé de participation.

🤔Quessé ça veut dire, relevé de participation?

😮 Retraite Québec produit chaque année 2 types de relevés de participation :
- celui du Régime de rentes du Québec (RRQ)
- celui des régimes de retraite du secteur public (RREGOP, RRPE, etc.)

🔎 Ces relevés présentent :
- les sommes qui pourraient vous être versées à la retraite
- les revenus de travail pour lesquels vous avez versé des cotisations
- des scénarios de rente personnalisés

Ces outils sont des incontournables pour planifier financièrement votre retraite.

Consultez le(s) vôtre(s) dans Mon dossier : www.retraitequebec.gouv.qc.ca/mondossier

10/12/2024

Failing to plan for taxes can erode wealth, and failing to plan for death can leave families in financial and legal turmoil.

In short, these topics are top of mind because they have unavoidable, long-term effects on financial health and require proactive management to ensure security and stability.

Whether for an individual or a business, proper tax planning, premortem and postmortem, helps preserve the financial legacy one has worked so hard to build AND it ensures a smoother transition for future generations. Thank you to the entire BMO Global Asset Management Team for the insightful presentations!