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Promoting the health and financial well-being of Canadians through smart long-term planning.


CALU members provide expert advice that Canadians across the country rely on to invest in their businesses and live a more secure and prosperous life. These industry leaders work in financial planning, business succession, estate planning, wealth creation, retirement planning, and employee benefits services.

CALU’s network of industry partners and thought leaders provide a trusted resource for MPs and policy makers across Canada.

Together we are sharing advances related to complex tax and financial rules, helping our members influence public policy, promoting innovation and excellence in advanced life planning, and protecting the financial future of millions of Canadians.

Our priorities

CALU’s public policy priorities are progressive and forward-looking to resolve issues faced by its members and their clients. Through our priorities we seek to address complexities, inconsistencies, and unfairness related to rules governing the taxation of financial products and owners of private corporations.

CALU encourages members to use these public policy priorities to talk to their MP about issues that matter to their business and clients.

Advocacy examples

Below are some featured advocacy activities recently undertaken by CALU to inform and engage policy makers, influence policy, and raise awareness of CALU.

Response to Impact of Calmusky Decision on Estate Planning - September 2020
A joint submission from Advocis, The Financial Advisors Association of Canada, and CALU to the Ministry of Finance outlining concerns about the potential impact of the recent Ontario court decision in Calmusky v. Calmusky on the estate plans of many Ontarians.

Pre-Budget Consultations in Advance of the 2021 Federal Budget - August 2020
CALU recommendations on the measures the federal government could take to restart the Canadian economy as it recovers from the COVID-19 pandemic and to enhance the social safety net and tax equity among Canadians.

Response to COVID-19 Pandemic Minimum Withdrawal Rate for Registered Retirement Income Funds - March 2020
A joint submission from Advocis, The Financial Advisors Association of Canada, and CALU with feedback and recommendations to the Department of Finance Canada regarding the proposed reduction in the minimum withdrawal rate for Registered Retirement Income Funds (RRIFs).

Response to Exempting Certain IPPs from the Ontario Pension Benefits Act - January 2020
A response from CALU to the Ontario government’s consultation on a proposal to exempt certain individual pension plans (IPPs) and designated plans (DPs) from the Pension Benefits Act (PBA).

HWTs Questions Relating to Transitioning and HWT to an EBB - August 2019
CALU’s input to the Department of Finance (“Finance Canada”) on the draft legislative proposals released on May 27, 2019, that are designed to facilitate the conversion of Health and Welfare Trusts (“HWTs”) to Employee Life and Health Trusts (“ELHTs”) (the “legislative proposals”).

Pre-Budget Consultations in Advance of the 2020 Federal Budget - July 2019
A brief developed by CALU and presented to the House of Commons Standing Committee on Finance outlining considerations to preserve and grow the wealth of families and ensure the success of their businesses.

Response to the Registered Pension Plan Annuity Contracts Newsletter - February 2019
CALU’s input to the Canada Revenue Agency (CRA) Registered Plans Directorate (RPD) consultation process for its draft newsletter “Registered Pension Plan (RPP) Annuity Contracts under section 147.4 of the Income Tax Act” (the “Newsletter”).

Pre-Budget Consultation in Advance of the 2020 Federal Budget Re: Family Business Legacy Planning - January 2019
CALU’s input to the Government of Canada regarding their plans to “work with family businesses, including farming and fishing businesses, to make it more efficient, or less difficult, to hand down their businesses to the next generation.”, and to work with “business owners to develop proposals to better accommodate intergenerational transfers of businesses while protecting the fairness of the tax system.”