Iveta Koskina - IG Wealth Management

05/05/2026

Many life insurance policies offer flexibility and options to support you during your lifetime, not just after. For example, you can access cash value to supplement retirement income, fund major expenses or handle unexpected emergencies. Contact me to see how life insurance can enhance your financial plan, today and tomorrow.

04/30/2026

Join us for this webinar during your lunch on May 6 at 1 PM Eastern standard time.
Learn the “what’s and why’s”
of a properly executed will should be.

Estate planning isn’t just writing a will. Learn how it can protect your wealth throughout life’s biggest changes. Join Dan McPherson, Director of Private Wealth Experience at IG, Alex Gauthier, Co founder of ClearEstate, and Sara Hillier, Head of Estate Planning at ClearEstate, alongside other wealth and legacy planning experts, to learn more. Register now: https://ow.ly/IRHq50YRjl9

04/29/2026

Estate planning is often misunderstood. It’s not just about having a will—it can involve taxes, beneficiary designations, powers of attorney, and making sure your wishes are carried out efficiently.

Despite its importance, many Canadians still don’t have a complete plan in place.

I’m inviting clients and connections to a free estate planning webinar on May 6 at 1 PM, hosted by our head office at IG Wealth Management.

✔ Key things people often overlook
✔ Common mistakes with wills and taxes
✔ Live Q&A to get your questions answered

This is part of the ongoing service and education we provide—not a sales pitch.

If you’d like the link, feel free to message me or use the registration link below:

https://lnkd.in/eJHhzPcn

WealthPreservation







https://event.on24.com/wcc/r/5278176/A5AA1081862098CF3633B15746278F7A?partnerref=ENTEN

Wednesday, May 06, 2026 at 1:00 PM Eastern Daylight Time.

04/29/2026

Happy birthday investor syndicate then Investors Group now IG Wealth we are celebrating hundred years and I’m very proud to have contributed a quarter of it to this company.🎈🎈🎈🎈🎈🎈🎈🎈🎈🎈🎈🎈🎈🎈🎈

03/26/2026

Business owners face tough financial decisions.

From valuing your business to estate planning and optimizing your health and wellness, your IG Private Wealth team and our partners will help save you time and stress while growing your wealth.

Financial advice that puts you at the centre. https://ow.ly/s7Lf50YxzXt

Iveta Koskina - IG Wealth Management
(416) 804-0015

Download our discovery guide for business owners. For the best experience with this guide, please download and save the fillable PDF to your device.

03/26/2026

THINK BEFORE YOU LEAP

We wrapped up our second Early Retirement Incentive (ERI) webinar for Federal Government employees today, and the response was outstanding.

The session was fully engaged, the questions were thoughtful, and the interest was strong enough that we were asked to continue the series.

If you’re considering an early retirement package, the decision is far more complex than just the pension number. We covered:

CPP and RRSP accumulation trade‑offs
Bridging income vs. long‑term sustainability
Tax traps and lifetime tax consequences
Cash‑flow planning in the first critical years of retirement

Next Session: April 2
12:00 PM – 1:00 PM (Eastern Time)
Zoom (over lunch)

Attendance is by RSVP below link:

https://events.zoom.us/ev/AtGgcRVbQnxv7rXMzxJks5nuKgwHQI5zsVwdvuoxcgoq1VpCRb9X~AqbJ6Os2b-KAi7v-5CZawH1qCzZch14DGFZPM2L1LJaL5cBtydPB9UTeB-WYKRmCb63Rp3y7w-oPBft29fHlbKqSng

If you or someone you know has received — or expects to receive — an early retirement incentive, this session is designed to help you make a confident, informed decision before it’s too late to adjust the outcome.

Sergiu HIRTESCU CFP®, FCSI®, CIM®
Iveta Koskina - IG Wealth Management CLU QAFP RRC BA

This link will take you to a page that’s not on LinkedIn

03/26/2026

https://www.linkedin.com/posts/iveta-koskina-clu-qafp-rrc-ba-929128239_make-longevity-part-of-your-plan-join-our-activity-7440382494773805056-Zis5?utm_medium=ios_app&rcm=ACoAADtI-TEBmi50aOrQ09ATQrqneS6eAmZTegI&utm_source=social_share_send&utm_campaign=facebook

03/26/2026

Most people think lowering fees means changing investments.

Not true.

If you hold mutual funds at a major bank, you can often transfer them in kind — nothing sold, no tax impact, same funds — and immediately benefit from:
1. Lower fee series
2. Household pricing

3. And ….for non‑registered accounts at IG Wealth Management: investment management fees are officially tax‑deductible !

Example:
A $350,000 non‑registered portfolio can improve cash flow by ~$3,300 per year, without changing the investment.

Same funds. Better structure.

03/26/2026

Estate planning is not one-size-fits-all.

Recently, I worked closely with a couple alongside their lawyer to review their overall wealth and estate strategy.

A trust was suggested — and while trusts can be very effective tools, in this particular case it didn’t make sense. The cost and complexity outweighed the benefits for their situation.

Instead, we implemented a term certain annuity, structured to provide guaranteed payouts to the beneficiary after the second spouse’s passing.

✔️ Simple
✔️ Cost-effective
✔️ Predictable

The best solution isn’t always the most common one — it’s the one that truly fits the client.

This is why education and clarity matter so much in estate planning. Understanding your options before making decisions can have a lasting impact on your legacy.

With 25 years of experience, I help my clients navigate these decisions with confidence and clarity.

If you haven’t reviewed your estate plan recently — this is your sign.

📞 416-804-0015
Let’s have a conversation.