final touches to her personal financial plan before graduating from the Richard Ivey School of Business HBA program in the spring of 2012. In general, Mary was happy with her plan. Her goals, investment policy statement and financial budget all made perfect sense to her. Even so, she kept going back to one number—43% tax rate! During our analysis, we are seeking a combination of three or four investment vehicles that would work best together. First, we take a look at the macro environment of Canada…
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