Lionel Williams - Krall & Williams Group

10/31/2026

Have a safe and spooky Halloween! 👻

10/29/2026

Want to give AND save on taxes?

In Alberta, charitable donations can earn you up to 75% back on the first $200 and, depending on your income level, 50% or 54% on amounts over $200 in combined federal and provincial tax credits. That means no matter what your tax bracket, your tax credit is more than the taxes you would pay on the same income.

Curious how much you could save? Use our Charitable Giving Calculator to see your potential tax benefits and start planning smarter giving today.
https://ow.ly/fbfh50ZZPGX

10/28/2026

Cash or Securities?
Which is a better tax choice for your charitable giving?

▪️ Cash donations = charitable tax credit.
▪️ Securities donations = same credit and ELIMINATES capital gains tax.

Donating appreciated stocks or mutual funds can save thousands in taxes while supporting causes you care about.

Assume you wanted to make a charitable donation of $25,000 from a current investment which has a capital gain of 20,000.

If you sold the investment and donated the 25,000 it would give rise to a 13,567 tax credit. BUT! From the sale of the investment into cash it would trigger the capital gain from investment that you still have to pay. Assuming you are in a 47% tax bracket that would mean you still have to pay the 4,700 of taxes on the 10,000 capital gain (1/2 of the 20,000). When the dust settles, that is a net tax credit of 8,867. 13,567 - 4,700 = 8,867 in net tax savings.

There is a better way to donate from a tax point of view, donate the investment in-kind to the charity. 25,000 of the investment donated in-kind creates the same 13,567 tax credit. BUT! This triggers no capital gain. This means a 13,567 tax credit plus the savings of not paying the capital gains tax of 4,700. 13,567 + 4,700 = 18,627 in tax credits and savings!

10/27/2026

Last week, we shared our $2,500 donation to Ronald McDonald House, made possible through the votes of our clients and the Krall & Williams Group Charitable Initiative.

The giving didn't stop there.

We proudly presented another $2,500 to Hope Mission Red Deer, an organization dedicated to providing support, dignity, and hope to those who need it most.

A sincere thank you to our clients for helping us direct these donations to organizations that are making a real difference in our community.

Explore our charitable initiatives and learn more about the organizations we've been proud to support: https://ow.ly/KL8R50ZZ9ce

10/27/2026

Giving with Intention: Don’s Legacy

Don Bowder wanted to give back to his community—and with IG’s guidance, he created a charitable fund that supports healthcare while securing his family’s future.

“I don’t think I could have achieved what we did without IG. The benefits will continue for many years.” — Don

🎥 Watch his inspiring story:

Don’s journey shows how thoughtful planning can turn generosity int...

10/24/2026

Technology is evolving rapidly, but trust remains the foundation of great financial planning.

Canadian financial planners are among the world's fastest adopters of AI, creating new opportunities to enhance efficiency, insights, and the client experience while keeping human judgment at the center of every decision.

Click here to read more: https://ow.ly/mCwj50ZZPxN

10/22/2026

The Krall and Williams Group Charitable Initiative helps our clients make a positive impact to the community!

Last week, we were pleased to present a $2,500 donation to Ronald McDonald House, as selected by our clients. Thank you for helping us support an organization that makes a meaningful difference for families facing difficult circumstances.

Together, we're building stronger communities.

To learn more about the organizations we've supported and our ongoing commitment to giving back, visit our website: https://ow.ly/gwsc50ZZ9aN

10/21/2026

Alberta has one of the best charitable giving tax credit systems in Canada. Do you know how it works?

For the first $200 you give to charity you receive a tax credit of 75% of that amount, that's $150! Remember, that is a tax credit not a tax deduction. Tax credit's lower your taxes payable, tax deductions lower your income that you pay tax on.

If you donate more than $200, the credit you receive is equal to 50% of the donation above $200. It gets even better if you make more than 253,414 of income in a year. For every dollar you donate above your income of 253,414 you receive a 54% tax credit instead of a 50%.

Let us break that down.

You make 260,000 in 2025 and have charitable tax receipts for 10,000.

The first $200 nets you a $150 tax credit.

That leaves 9,800 to be applied for the 54% and 50% tax credit. 260,000 - 253,414 is 6,586. Now 6,586 that can be applied at the 54% tax credit of $3,556, leaving a remaining 3,214 applied at the 50% tax credit of 1,607.

That is a lot of numbers. In short what does it mean for you. At 260,000 of income with a 10,000 tax donation, would net a total tax credit 5,313. Instead of paying 84,624 in tax for 2025 you would pay 79,311 in tax.

Use the IG Charitable Donation Calculator to see the impact you can make!
https://ow.ly/WKQP50ZTh4p

10/20/2026

We were incredibly happy to attend the Diamonds in the Sky hosted by the Lacombe Kinsmen, an inspiring evening celebrating the power of community and giving back.

We were also proud to sponsor the event's 360 photo booth, which was a lot of fun and gave guests a unique way to capture memories from the evening.

It was wonderful to connect with so many passionate individuals and organizations who are committed to making a positive impact in our community!

10/19/2026

What does this all mean to YOU?

Higher interest rates are creating both opportunities and challenges for investors.

For many affluent families, that may mean:

• Better income opportunities from bonds and cash investments
• Increased pressure on borrowing and financing costs
• Greater importance of diversification and risk management
• More focus on quality investments with strong earnings and cash flow
• Reviewing retirement, estate, and tax planning strategies

Markets remain resilient, but the bar has been raised.

Understanding how these changes fit into your overall financial plan is more important than ever.

To gain deeper insights into these trends and what they could mean for your portfolio, retirement income, business interests, and long-term wealth strategy, read IG Wealth Management's Q3 2026 Market Review: https://ow.ly/tgpv50ZY9bP

If you'd like to discuss how these market developments may affect your personal financial plan, I'd be happy to connect.