Peter Zech - IG Wealth Management

Strong growth, soft jobs and political pressure on the Fed: is the U.S. economy as strong as it looks? Philip discusses. Listen now: https://ow.ly/Qby350XY8Nj Subscribe, rate and review now.

🚨 Last-Minute Ticket Giveaway! 🚨
Who wants 2 FREE tickets to tonight’s Rangers game?
Comment below or message me — first come, first served!

Rangers vs. Saginaw Spirit
7:00 PM tonight
Kitchener Memorial Auditorium

As we turn the page to 2026, investors find themselves navigating a market that has defied expectations. The volatility of early 2025 — driven by geopolitical uncertainty and policy reversals — gave way to a powerful rebound, reminding us that fundamentals (the key principles of investing), not headlines, ultimately steer the course of markets. The recession fears have faded, replaced by signs of reacceleration across global economies. In this year’s outlook, we explore the forces shaping this new phase of the cycle and what they mean for investors seeking clarity amid the noise.

2026 Market Outlook In their new 2026 market outlook, IG’s Investment Strategy Team share the key themes that they believe will dominate the investment landscape in the year ahead.

While the end to the U.S. government shutdown brought about only a momentary market bounce, key data will soon be released, after a six-week blackout.

• The shutdown ended after 43 days; data due back online.
• Michael Burry (of Big Short fame) shut down his fund.
• Disney stumbled as film costs hit earnings.

Read the full report

The week in the markets - Nov 14 The week in the markets - November 14, 2025 Shutdown ended, Burry exited, and Disney wobbled The shutdown ended after 43 days; data due back online.Michael Burry (of Big Short fame) shut down his fund.Disney stumbled as film costs hit earnings. After 43 days and 14 failed votes, the U.S. federal gov...

A recent case out of Ontario is a stark reminder of how complex estate and tax planning can become: after both parents passed away within the same year, their daughter was slapped with a $660,000 tax bill.
This is exactly the kind of “worst-case” scenario no one imagines — until it happens.

Key Takeaways:
- Estate taxes can create unexpected financial stress for families, especially when events happen close together.
- No plan can prevent every outcome, but proactive strategies can help reduce uncertainty and provide clarity.
- Financial planning goes far beyond investments — it includes estate, tax, insurance, and cash flow considerations.
- Good planning doesn’t mean avoiding all taxes — it means making sure your loved ones aren’t left overwhelmed at the worst possible time.
- It typically isn't best to wait until age 71 to start drawing out money from your RRSP (when you are required to convert your RRSP to a RRIF). Early withdrawals can sometimes be beneficial to spread the tax liability, and make your average tax rate less.

If you’d like to discuss how to protect your estate (or the estate of your loved ones) from similar pitfalls, I’d be glad to chat.

Send me a message or comment below — let’s make sure your legacy doesn’t come with a tax trap.
www.zechevanswealth.ca
https://www.ctvnews.ca/toronto/consumer-alert/article/daughter-hit-with-660000-tax-bill-when-both-parents-died-in-same-year/

Daughter hit with $660,000 tax bill when both parents died in same year An Ontario woman says she had to use nearly all of her parents’ retirement savings to pay off a more than $660,000 tax bill after they both died within the same year.

Philip Petursson, Chief Investment Strategist at IG Wealth Management, joins BNN Bloomberg to discuss the impact of tariffs on the market. Watch now: https://www.bnnbloomberg.ca/video/shows/the-open/2025/08/12/us-inflation-holds-at-27-in-july/

Market volatility is normal. In fact, on average, the S&P500 has an intra-year drop of 14%, but annual returns finished positive 34 of 45 years. There will always be a reason to sell, but long term investors are rewarded for staying the course.

If there’s one thing you can predict about the stock market, it’s that it will rise and fall. It’s been doing this to varying degrees since stock exchanges were established and shares began to be traded.

https://www.ig.ca/en/insights/how-long-does-it-take-stock-markets-to-recover-from-a-downturn

Capital Gains Tax Update: What It Means for You

Big news from the Minister of Finance today! The federal government has announced a deferral of the capital gains inclusion rate increase. Originally set to take effect on June 25, 2024, the change will now be delayed until January 1, 2026. This means:

✅ Individuals: The increase from one-half to two-thirds will now apply to annual capital gains above $250,000 starting in 2026.
✅ Corporations & Trusts: The new higher rate will apply to all capital gains, but not until the new deadline.

While this provides additional time for planning, it's an unfortunate situation for corporations and individuals who acted early, selling assets like cottages or secondary residences before June 25, 2024, to mitigate the tax impact.

In May, we published a whitepaper outlining the proposed changes. While some details have evolved, the key takeaways remain the same.

If you're thinking about selling a property or triggering large capital gains before the next deadline, let’s discuss the best approach for your situation. Reach out, and let’s navigate this together.

When it’s time to retire, many Canadians have several sources of income. We look at which sources you should draw from first to help minimize taxes.

How to plan a tax-efficient retirement withdrawal strategy When it’s time to retire, many Canadians have several sources of income. We look at which sources you should draw from first to help minimize taxes.

Aurèle Courcelles, Assistant Vice-President, Tax and Estate Planning at IG Wealth Management discussed how Justin Trudeau’s decision to prorogue parliament has created uncertainty for advisors and their clients about increases in the capital gains inclusion rate. Read More: https://ow.ly/TtB150UBPo5