Mauricio Bonaguro, Investment Advisor of RBC Dominion Securities Inc.

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Canada
Montreal, QC
Mauricio Bonaguro, Investment Advisor of RBC Dominion Securities Inc.

Helping clients manage their wealth efficiently and live a healthy financial life! We all need a Family doctor, a Lawyer, a CPA and a CFA.

Financial health and security are among the highest priorities people have in life. I am committed to assisting families, individuals and private foundations manage their intergenerational wealth with utmost professionalism and care. Reach out today to schedule a complimentary consultation to determine how can I add value to your financial life.

08/03/2026

The family cottage holds more than just memories — it holds the potential for family conflict if you haven’t decided who owns it next. Rising costs, geography, practicality; the reasons to pass on a property (or not) are deeply personal but they're worth discussing with family. Here are some thoughts to help start the conversation: https://bit.ly/4g8qm02

05/05/2026

Did you know 76% of business owners plan to exit within 10 years without a written plan? 📉
Protecting your life's work shouldn't be left to the last minute. The SWORD method is a simple, grounded framework to help you build a solid transition strategy:
• S - Structure: Optimize taxes and protect your assets.
• W - Worth: Understand the true value of your business.
• O - Options: Clearly map out your succession path.
• R - Retirement: Secure your personal income.
• D - Death: Ensure business continuity for your family and team.
Swipe through to see the steps, and let’s build a sustainable future for what you've worked so hard to create.

04/24/2026

Did you know that emotional investing drives financial markets as much as other market fundamentals? It’s important to main perspective and focus on the long term. To learn more about managing stock market volatility to achieve your investment goals, please contact me today.

04/14/2026

Did you know that caregiving touches the lives of one in four Canadians?

While caregivers show up with dedication and love, the role often comes at a real cost to careers, finances, and well-being—and the impact falls disproportionately on women.

Whether you're a caregiver yourself, supporting someone who is, or simply want to better understand this challenge facing so many Canadians, you can register here: https://bit.ly/3Q8uFOq

04/02/2026

If you couldn't speak for yourself tomorrow, who would speak for you?

A sudden illness or accident can happen without warning. Without a documented power of attorney, your loved ones can face uncertainty, delays, and even conflict about who has the authority to make important decisions on your behalf.

If you're navigating these decisions or want to ensure your estate plan protects what matters most, let's talk.

03/20/2026

AI and Your Portfolio: What You Need to Understand Before Making Any Moves

You're likely already invested in AI. The question is whether it's intentional or accidental. Join me for a quick economic and market update, then a deep discussion cutting through the hype to build a real framework for understanding your exposure, assessing risk, and making intentional decisions.

When? April 1st at noon (45-min)

Agenda:
1) The rise of AI and what's really changing
2) Lessons from past tech revolutions
3) Understanding the AI Value Chain (from electricity to applications)
4) The AI Investment options and key risks
5) How AI fits a diversified portfolio

Click here to register: https://tinyurl.com/y34sjbzn

Hosted by Mauricio Bonaguro, CFA, CIWM, Investment Advisor of RBC Dominion Securities Inc.

03/10/2026

Disability Planning: A Conversation Worth Having

Did you know that 1.3 billion people globally live with a disability? That's 16% of the world's population. Yet more compelling: disability directly or indirectly touches 73% of global consumers, who control $1.9 trillion in annual disposable income.

Here's what often goes unrecognized: about 75% of disabilities are non-visible or non-apparent. This means disability planning isn't just relevant if you're disabled, it's essential if someone important to you faces a physical or mental health challenge, whether obvious or hidden.

Why Disability Planning Matters
Planning for a family member with a disability unlocks meaningful opportunities:

-Protecting government benefits: The right structures preserve critical provincial disability support programs (health coverage, prescription drugs, support services)

-Tax efficiency: Specialized trusts and planning tools minimize tax burden

-Peace of mind: Professional planning ensures long-term financial security and prevents costly mistakes

Key Planning Tools
RDSPs (Registered Disability Savings Plans) are a game-changer. RDSPs offer:

-Tax-deferred growth on investments
-Up to $3,500 annually in government matching grants (CDSG) for eligible beneficiaries under 50
-Up to $1,000 per year in government bonds (CDSB) for low-income beneficiaries
-No annual contribution limit (up to $200,000 lifetime)
-Full exemption from provincial disability asset tests

Combined with trusts and other estate planning strategies, RDSPs create a powerful framework for long-term financial support.

Next Steps
Whether you're a parent, grandparent, sibling, or guardian—if disability touches your family, now's the time to talk. Curious to learn more about RDSPs or disability planning strategies? I'm here to help.

01/29/2026

Estate planning isn’t one-size-fits-all. A living trust can provide flexibility, control, and peace of mind for those with estates of all sizes. If you want to learn more about the benefits of inter vivos trusts, drop a comment below.

01/22/2026

Did You Know? — You can take money out of your corporation tax-free

Most incorporated professionals don’t realize their Holding Company might have a hidden account that lets them withdraw money completely tax-free.
It’s called the Capital Dividend Account (CDA).
Every time your Holdco realizes a capital gain, half of that gain (the non-taxable portion) is added to the CDA.
You can then pay yourself that amount as a capital dividend — 100 % tax-free — if the proper election is filed.
But here’s the nuance few people talk about
If your corporation later reports a capital loss, that loss reduces the CDA balance.
So if you don’t take advantage of the credit while it’s available, future losses can quietly erase part or all of it.
A CDA can even go negative on paper, meaning you’d need future gains just to get back to zero before paying the next capital dividend.
That’s why we Remind Our clients To check their CDA balance with their accountant each fiscal year-end, So They Can declare a capital dividend while the balance is positive, if Deemed appropriate.
It’s not a hard rule — every situation is different — but it’s one of those small pieces of proactive housekeeping that can prevent future frustration (and tax leakage).

Tip: ask your accountant what your CDA balance is right now, and whether it makes sense to lock in part of it before markets or portfolio changes reduce it.
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This post is for general information only and shouldn’t be considered tax advice. Always confirm specifics with your professional accountant.

Adresse

1 Place Ville-Marie, 5th Floor
Montreal, QC
H3B1Z3

Téléphone

+15148787527

Site Web

http://www.bonaguro.ca/

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