Media and Writing

Recent Presentations

March 2024: What an Advisor Needs to Know About CPP and OAS – Canada Life
January 2023: IPPs vs PPPs – GTA Accountants & Finance Network (GTAAFN) – Lea Koiv, Jason Pereira & Stephen Cheng
January 2023: IPPs & RCAs – STEP – Lea Koiv & Bill Kennedy
November 2022: Pension Commutations – Tips & Traps (CALU Fall Summit) – Lea Koiv & Jonathan Taylor
October 2022: Ageism in the Workplace (Pension Considerations) – Ontario Bar Association – Lea Koiv & Harold Geller
March 2021: Financial Planning Summit (Advocis Vancouver) – Individual Pension Plans
August 2020: CALU Webinar Program - IPPs – Who is This Strategy Appropriate For?
June 2020: Now You Know - Insurance 101 (The Jewish Foundation Speaker Series)
May 2020: CALU National Conference (Ottawa) - IPPs – Who is This Strategy Appropriate For? (Cancelled due to Covid-19)
April 2020: Elite Professional Development Forum (Las Vegas) - The Technical Aspects of IPPs & Identifying Appropriate Clients (Cancelled due to Covid-19)
October 2019: Sun Life – Annuities (including Copycat Annuities)
September 2019: Advocis (Muskoka) – Annuities
May - June 2019: RBC Insurance - IPPs
May 2019: PPI: (Toronto & Ottawa) – Pension Related Topics
October 2018: Advocis (Edmonton Chapter) – Pension Related Topics, CPP & OAS
September 2018: Advocis (Durham Chapter) – CPP & OAS
September 2018: Advocis (Sudbury Chapter) – Pension Commutations, Copycat Annuities, IPPs
June - September 2018: For Various Canadian Insurance Providers – Various Estate Planning Topics
May 2018: STEP (Society of Trust and Estate Practitioners) National Conference – IPPs
April 2018: Estate Planning Council (Toronto) – Insurance – Designations and More (with a Focus on Annuities)
April 2018: Advocis (London Chapter) - IPPs
November 2017: GTAAN (Greater Toronto Area Accountants Network) (Toronto)– IPPs
October 2017: CALU Associates Day (Toronto) – IPPs and RCAs
September 2017: Canada Life (Vancouver) - 6th Annual Wealth & Tax Planning – Change to Principal Residence Tax Rules
March - June 2017: For Various Canadian Insurance Providers – Various Estate Planning Topics
May 2017: Society of Trust and Estate Practitioners (STEP) – Estate Bypass, Annuities
May 2017: Conference for Advances Life Underwriting (CALU) – CPP and OAS
May 2017: Campbellford Memorial Hospital – Estate Planning/Charitable Giving
March 2017: Advocis (Durham Chapter) – Pension Commutations
January 2017: Advocis (Toronto Chapter) – Pension Commutations

Articles Where Lea Koiv is Interviewed/Quoted

Feds release draft changes to pension rules for “unlocatable” members (Rudy Mezzetta, Investment Executive, June 28, 2023)
https://www.investmentexecutive.com/news/industry-news/feds-release-draft-changes-to-pension-rules-for-unlocatable-members/
If you think the CPP survivor’s benefit is bad, check out the death benefit (Rob Carrick, Globe & Mail, April 24, 2023)https://www.theglobeandmail.com/investing/personal-finance/retirement/article-if-you-think-the-cpp-survivors-benefit-is-bad-check-out-the-death/
Budget proposed tax changes to pension plan arrangements (by Mark Burgess, Advisor.ca, April 3, 2023)https://www.advisor.ca/tax/tax-news/budget-proposes-tax-changes-to-pension-plan-arrangements/
Debate Grows Over Two Pension Plans for Business Owners (by Jameson Berkow, Globe & Mail, May 12, 2022)https://www.theglobeandmail.com/investing/globe-advisor/advisor-funds/article-debate-grows-over-two-pension-plans-for-business-owners-and-whether/
Manitoba Hands over 65s the Key to Their LIRAs (by Michael McKiernan, Investment Executive, November 1, 2021)https://www.investmentexecutive.com/newspaper_/news-newspaper/manitoba-hands-over-65s-the-keys-to-their-liras/
Luxury Vehicle Tax, DTC Changes Included in Budget 2022 Implementation Bill (by Melissa Shin, Advisor.ca, April 29, 2022)https://www.advisor.ca/tax/tax-news/luxury-vehicle-tax-dtc-changes-included-in-budget-2022-implementation-bill/
Income Splitting Delivers Tax Savings in More Ways Than One (by John Heinzl, Globe & Mail, August 13, 2021)https://www.theglobeandmail.com/investing/education/article-income-splitting-delivers-tax-savings-in-more-ways-than-one/
Why You Should Consider Income Splitting to Lower the Family Tax Bill (by Mathhew Halliday, Globe & Mail, May 19, 2021)https://www.theglobeandmail.com/investing/personal-finance/retirement/article-why-you-should-consider-income-splitting-to-lower-the-family-tax-bill/
Budget 2021 Revives Issues from 2019 (by Melissa Shin, Investment Executive, April 19, 2021)https://www.investmentexecutive.com/news/industry-news/budget-2021-revives-tax-issues-from-2019/
Know the income-splitting rules before commuting your pension (by John Heinzl, Globe & Mail, January 15, 2021)https://www.theglobeandmail.com/investing/education/article-know-the-income-splitting-rules-before-commuting-your-pension/
New Formula May Reduce DB Plan Payouts (by Rudy Mezzetta, Advisor’s Edge, October 6, 2020)https://www.advisor.ca/retirement/retirement-news/new-formula-may-reduce-db-plan-payouts/
CRA Adds T4 Reporting Requirements to validate benefit payments (by Rudy Mezzetta, Advisor’s Edge, August 27, 2020)https://www.advisor.ca/tax/tax-news/cra-adds-t4-reporting-requirements-to-validate-benefit-payments/
Feds announce relief measures for pension plans (by Rudy Mezzetta, Advisor’s Edge, July 6, 2020)https://www.advisor.ca/retirement/retirement-news/feds-announce-relief-measures-for-pension-plans/
Feds allow retroactive contributions to DC plans for 2020 (by Rudy Mezzetta, investment Executive, July 6, 2020)https://www.investmentexecutive.com/news/industry-news/feds-allow-retroactive-contributions-to-dc-plans-for-2020/
Updated: OSFI freezes pension transfers but offers relief for older members (by Rudy Mezzetta, Investment Executive, May 8, 2020),https://www.investmentexecutive.com/newspaper_/news-newspaper/freeze-on-pension-transfers/
How Ontarians can get early access to money in locked-in accounts during Covid-19 (by Rudy Mezzetta, Advisor. ca, May 1, 2020, https://www.advisor.ca/news/industry-news/how-ontarians-can-get-early-access-to-money-in-locked-in-accounts-during-covid-19/
Ontario proposal would exempt IPPs from pension legislation (by Michelle Shriver), Advisor.ca, January 15, 2020, https://www.advisor.ca/retirement/retirement-news/ontario-proposal-would-exempt-ipps-from-pension-legislation/
A wealthy client faces an unexpected buyout (by Suzanne Yar Khan), Advisor’s Edge, November/December 2019, https://www.advisor.ca/retirement/retirement-news/a-wealthy-client-faces-an-unexpected-buyout/
Deciding if an IPP is right for your client (by Michelle Shriver), Advisor’s Edge, May 16, 2019, https://www.advisor.ca/tax/estate-planning/deciding-if-an-ipp-is-right-for-your-client/
Individual Pension Plan: a retirement option for those with an entrepreneurial bent (by Alexandra Macqueen), Globe & Mail, March 16, 2019, https://www.theglobeandmail. com/investing/personal- finance/retirement/article- individual-pension-plan-a- retirement-option-for-those- with-an/
GM retiree chooses a copycat annuity to make his income stronger (by Alexandra Macqueen), Globe & Mail, February 15, 2019, https://www.theglobeandmail.com/investing/personal-finance/retirement/article-which-defined-benefit-pension-payout-option-is-best-for-your/
Which defined benefit pension payout option is best for your retirement? (by Alexandra Macqueen) Globe & Mail, February 15, 2019
https://www.theglobeandmail.com/investing/personal-finance/retirement/article-which-defined-benefit-pension-payout-option-is-best-for-your/
Canadian couple working in the U.S. faces retirement risks: These wealthy clients haven’t planned for the future (by Suzanne Yar Khan), Advisor's Edge, December 19, 2018
https://www.advisor.ca/retirement/retirement-news/canadian-couple-working-in-the-u-s-faces-retirement-risks/
Using life insurance under new passive income rules (by Katie Keir), Advisor's Edge, July 9, 2018 https://www.advisor.ca/tax/tax-news/using-life-insurance-under-new-passive-income-rules/
Could the Post Retirement Benefit Work for You? (by Diane Jermyn), Globe & Mail, April 17, 2017 https://www.theglobeandmail.com/globe-investor/retirement/retire-working-in-retirement/could-the-post-retirement-benefit-work-for-you/article34700906/
Lower U.S. taxes may entice some Canadian professionals to move south (by Susan Yellin), The Insurance and Investment Journal, March 9, 2017 https://insurance-journal.ca/article/lower-us-taxes-may-entice-some-canadian-professionals-to-move-south
CPP Enhancements: Understand What’s Not Changing (by Alexandra Macqueen), Globe & Mail, February 27, 2017 http://www.actuarialsolutionsinc.com/wp-content/uploads/2017/03/February-27-2017-The-Globe-and-Mail-CPP-enhancements-Understand-whatu2019s-not-changing.pdf
Tax rules for annuities are changing (by Megan Harman), InvestmentExecutive.com, November 11, 2016 https://www.investmentexecutive.com/in-depth_/special-reports/tax-rules-for-annuities-are-changing/

Technical Papers

INDIVIDUAL PENSION PLANS – A TECHNICAL GUIDE (STEP National Conference, May 2018)

Recent Presentations

Recent Articles Authored by Lea Koiv

Articles Where Lea Koiv is Interviewed/Quoted

Technical Papers