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Digital Advice from VirtualWealth
Digital advice, from VirtualWealth, is a simple and convenient online investing service that provides you with a professionally managed, low-cost portfolio to match your personal financial goals.
Getting started is easy. Tell us a little about yourself and your goals and decide how much you want to invest. Leave the rest to us.
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A professionally managed portfolio with a carefully designed asset mix to suit your requirements
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Automatic rebalancing to keep your investments on track, no matter what happens in the markets
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Friendly support from knowledgeable representatives by email and phone
VirtualWealth is a trade name of Aviso Wealth., Member of the Canadian Investor Protection Fund.
Online Brokerage
We’ve partnered with Qtrade Direct Investing™ to give you the confidence to buy and sell stocks, bonds, ETFs, and mutual funds - with low trading fees.
Build, evaluate and test your portfolio with calculators, and tools like Portfolio Creator™, Portfolio Score™ and Portfolio Simulator™, which feature the industry’s most advanced risk analysis and portfolio-building technology.
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Execute with ease on Canada’s #1 online investing platform.
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Realize opportunity with industry-leading tools.
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Move forward with Canada’s best online trading support.
Make Tax Time Simple & Stress-Free
One of the value-add services available to CUA members is tax services. Our tax representatives at Harding & Associates Accounting Inc. offer members professionally completed tax return services, with expert advice. The process is efficient, insightful and will leave you with confidence knowing your return is both accurate and submitted on time.
Harding & Associates Accounting Inc. is a local Chartered Professional Accounting firm founded in 2014. They provide individuals, partnerships and corporations with high-quality tax preparation, accounting and consulting services throughout Nova Scotia.
If you wish to utilize these services for your tax return, please contact Harding and Associates Accounting Inc. directly at 902.266.6556 or at info@hardingassociatesinc.com.
One of the value-add services available to CUA members is tax services. Our tax representatives at Harding & Associates Accounting Inc. offer members professionally completed tax return services, with expert advice. The process is efficient, insightful and will leave you with confidence knowing your return is both accurate and submitted on time.
Harding & Associates Accounting Inc. is a local Chartered Professional Accounting firm founded in 2014. They provide individuals, partnerships and corporations with high-quality tax preparation, accounting and consulting services throughout Nova Scotia.
If you wish to utilize these services for your tax return, please contact Harding and Associates Accounting Inc. directly at 902.266.6556 or at info@hardingassociatesinc.com.
| Service |
Fee |
Tax |
Total |
|
Basic Personal Tax Preparation |
$225 |
$33.75 |
$258.75 |
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Personal Tax Preparation with Investments |
$325 |
$48.75 |
$373.75 |
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Self-employed / Rental Personal Income Tax Preparation |
$425 |
$63.75 |
$488.75 |
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T3 Trust Tax Preparation |
$500 |
$75 |
$575 |
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CRA Response Letters |
$150 |
$22.50 |
$172.50 |
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Consult with Colin Harding |
$250 |
$37.50 |
$287.50 |
|
Consult with Martin Stephen |
$150 |
$22.50 |
$172.50 |
Harding & Associates Accounting Inc. is also pleased to offer corporate tax return services. Starting rates are listed below, however, pricing may vary based on the needs of your business. Book your appointment today! Contact their team directly at 902.266.6556 or at info@hardingassociatesinc.com.
|
Service |
Fee |
Tax |
Total |
|
Corporate Tax Preparation |
$1,250 |
$187.50 |
$1,437.50 |
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HST Returns |
$50 / period | $7.50 | $57.50 |
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T-Slip Filings |
$50 / slip | $7.50 | $57.50 |
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Bookkeeping |
$75 / hour | $11.25 | $86.25 |
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Compiled Financial Statements |
$1,250 | $187.50 | $1,437.50 |
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Corporate Restructuring |
$1,250 - $2,250 |
$187.50 - $337.50 |
$1,437.50 - $2,587.50 |
A trust is a relationship among three parties:
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The Settlor - the person who establishes the terms and conditions governing the operation of the trust and then transfers legal ownership of the assets to the named trustee.
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The Trustee - the individual or corporation that is named as the legal owner of the assets and accepts the responsibility to hold and manage the assets solely for the named beneficiaries.
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The Beneficiaries - the individuals or organizations entitled to receive the benefit of the trust during its operation and/or upon its termination.
The reasons for establishing a trust can be many and varied. The settlor may be concerned about caring for a spouse, a dependent child, safeguarding assets for future generations or providing on-going funding to a favorite charity or educational institution. A well-constructed trust is a useful and powerful estate-planning tool.
Testamentary Trusts
The terms and conditions governing a testamentary trust are normally contained to the trustee until the settlor dies, testamentary trusts do not come into effect until that date. Therefore, at any time prior to death, the settlor can modify or revoke the terms of the testamentary trust. Once a testamentary trust comes into being it can only be modified by the courts or, in some provinces, through the mutual agreement of all parties to the trust.
Living Trusts
A living (inter-vivos) trust is established during the settlor’s lifetime and comes into being when the trust agreement is signed. The trust property is legally transferred to the trustee at that time. Living trusts can be revocable or irrevocable:
A revocable trust can be changed or collapsed by the settlor at any time;
An irrevocable trust cannot be changed or collapsed and must continue to operate as set out in the trust indenture.
Settlors need to ensure that the trust arrangement is properly established to meet their objectives and the needs of the beneficiaries. Trustees must have the knowledge and skill to operate within the terms of the trust agreement; they are responsible to the beneficiaries for what occurs during the course of the administration. Virtually every decision related to the set up and operation of a trust will have tax implications. Trusts are a complex legal area and the need for professional assistance cannot be over-emphasized.