Jillian Vukovich, IG Wealth Management

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Jillian Vukovich, IG Wealth Management Senior Wealth Advisor, CFP, MFA-P
IG Wealth Management Inc.

The third way to give that isn't a cheque: a gift of real estate.A property you own outright, a second home, land, an in...
10/22/2026

The third way to give that isn't a cheque: a gift of real estate.

A property you own outright, a second home, land, an investment property, can be donated directly to a charity or a foundation instead of being sold first. Done well, it can reduce or eliminate the capital gains tax you'd otherwise owe on the sale, while giving the charity an asset they can use or sell for full value.

It's not the right fit for every property or every donor. But for the right asset, it's one of the most overlooked ways to make a significant gift. Same generosity, three different vehicles this week, all more efficient than a cheque. If any of them fit your situation, let's talk.

jvig.ca

The second way to give that isn't a cheque: donating a life insurance policy itself, not just naming a charity as benefi...
10/21/2026

The second way to give that isn't a cheque: donating a life insurance policy itself, not just naming a charity as beneficiary.

If you have an existing policy you no longer need, on paid-off debt, grown children, whatever the original reason was, you can transfer ownership of that policy directly to a charity. Depending on how it's structured, that can generate a donation tax credit right away, sometimes for the policy's cash value, with future premiums also receipted if you continue paying them.

It's a way to turn a policy sitting quietly in a drawer into a gift that's actually working for a cause you care about.

jvig.ca

This month, I want to walk through three ways to give that aren't a cheque. Same generosity. Different, often better, st...
10/20/2026

This month, I want to walk through three ways to give that aren't a cheque. Same generosity. Different, often better, structure behind it.

First: the charitable gift annuity. You make a gift to a charity, and in exchange, the charity pays you a fixed income for the rest of your life. When you pass away, whatever remains goes to the cause you named. Part of that income can even be tax-free, and you get a donation receipt for a portion of the gift right away.

It's a way to give generously now while still protecting your own income for life. Tomorrow: the second way.

jvig.ca

Blended families change the estate planning conversation completely. In a first marriage with all biological children, a...
10/15/2026

Blended families change the estate planning conversation completely. In a first marriage with all biological children, a simple will often covers what's needed. In a blended family, it rarely does.

Without careful planning, a well-meaning will can accidentally leave out stepchildren, leave a second spouse without enough to live on, or spark conflict between a surviving spouse and children from an earlier marriage. Tools like spousal trusts, clear beneficiary designations, and documented intentions can prevent most of that.

It takes more thought than a standard will. It's worth every bit of it. If your family has been blended by marriage, remarriage, or new relationships, this is a conversation worth having sooner rather than later.

jvig.ca

If you're in a higher tax bracket than your spouse or adult child, a prescribed rate loan is one of the more underused w...
10/14/2026

If you're in a higher tax bracket than your spouse or adult child, a prescribed rate loan is one of the more underused ways to legally shift investment income to someone taxed at a lower rate.

Here's the basic idea. You loan money to a family member at the government-set prescribed interest rate, they invest it, and any investment income above that interest cost is taxed in their hands, not yours. The loan has to be properly documented, and the interest actually has to be paid each year for it to hold up. Skip that step and the strategy falls apart.

It's not complicated once it's set up correctly. It's just easy to get wrong without help. If your family's income is split unevenly across generations, this is worth exploring.

jvig.ca

I've spent a fair amount of this year in rooms full of donors, invited in by the charities themselves.Here's why. Most p...
10/13/2026

I've spent a fair amount of this year in rooms full of donors, invited in by the charities themselves.

Here's why. Most people in that room have already decided they want to give. What they don't always know is how. The overwhelming majority default to writing a cheque, which is usually the least tax-efficient way to make a gift, for the donor and sometimes for the organization too.

My goal in those sessions is simple: same generosity, same cause, same amount if that's what someone wants, just a smarter structure behind it. Organizations are starting to see that a little donor education goes a long way. If your charity or board would find that kind of session useful, I'd be glad to talk.

jvig.ca

This weekend, most of my clients will be around a table with the people their financial plans are actually for.It's easy...
10/09/2026

This weekend, most of my clients will be around a table with the people their financial plans are actually for.

It's easy to lose sight of that in the day-to-day: the statements, the spreadsheets, the contribution deadlines. But underneath all of it is usually something much simpler. Wanting the people you love to be taken care of, now and after you're gone.

Whatever your Thanksgiving looks like this year, I hope it's full. And if sitting around that table reminds you there's a conversation about your family's future you've been meaning to have, I'll be here after the leftovers are gone.

jvig.ca

There's a stretch of life a lot of my clients are living through right now: still raising kids, while also becoming resp...
10/07/2026

There's a stretch of life a lot of my clients are living through right now: still raising kids, while also becoming responsible for aging parents. It's often called the sandwich generation, and financially, it's one of the most demanding stages there is.

You're covering your own household. Possibly helping with a parent's care costs. Still trying to save for your own retirement, which is arriving faster than it feels like it should. Something usually has to give, and too often, it's the retirement savings, because the other two feel more urgent.

A plan that accounts for all three at once, rather than treating them as separate emergencies, makes an enormous difference. If you're in the middle of this stretch right now, you're not the only one, and you don't have to figure out the tradeoffs alone.

jvig.ca

Two business partners without a buy-sell agreement are one health event away from a very expensive problem.A buy-sell ag...
10/06/2026

Two business partners without a buy-sell agreement are one health event away from a very expensive problem.

A buy-sell agreement is a contract, usually funded by life insurance, that spells out exactly what happens to a partner's share of the business if they become ill, disabled, or pass away. Without one, a surviving partner can end up in business with a spouse or estate that never wanted to run the company, or scrambling to find the cash to buy them out at all.

It's one of those documents that costs very little to put in place and an enormous amount to live without. If you're in business with a partner and this has never been formalized, it's worth fixing before you need it.

Connect with me at jvig.ca

Everyone knows they're supposed to have an emergency fund. Almost nobody enjoys having one.It sits there, unused, earnin...
09/30/2026

Everyone knows they're supposed to have an emergency fund. Almost nobody enjoys having one.

It sits there, unused, earning less than your other investments. Until the furnace dies, the truck needs work, and the business has a slow quarter, all in the same six months. Then it's the only part of your plan that matters.

Its whole job is to exist quietly, so you're not selling investments at the worst time or reaching for a credit card at the worst rate.

Food for thought!

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