Ryan is a Fellow of the Society of Actuaries and a Fellow of the Conference of Consulting Actuaries. He is an expert in the valuation and taxation of life insurance policies for both corporate transfers and charitable giving.
He is also an expert in the field of Canadian pensions, with experience in Individual Pension Plans and Retirement Compensation Arrangements.
Ryan Wall's Recent Articles
Getting Tax Credits for Your Unwanted Life Insurance
Ten or twenty years ago, you purchased a life insurance policy. It was part of a good financial plan to keep your family protected in case of the unthinkable. Today, the mortgage is paid off, your family is grown, your retirement plan is in place and the insurance that once provided peace of mind is […]
Tax Free Profit Extraction Using Life Insurance
A tax avoidance strategy has been growing in popularity in recent years. Although CRA has been aware of the strategy for over ten years, its increase in popularity and the Federal government’s current focus on reforming the taxation of insurance means that the life of the strategy may be coming to an end. There are […]
A New Approach to Pension Design
In 2008 the Alberta/BC Joint Expert Panel completed its work on suggested pension reforms. Alberta passed Bill 10 implementing the majority of the suggestions and is expected to release the enabling regulations sometime this summer. There are a number of positive changes in the legislation, but the change that could transform the pension landscape across […]
Should You Contribute to Your RRSP?
There are two advantages to RRSP investing. The first is tax deferred growth, which allows the effects of compounding to grow your assets far in excess of non-sheltered assets. The second is the assumed reduction in your personal tax rate at older ages when the assets will be withdrawn. Both of these benefits may not […]
The Future of Life Expectancy and Government Benefits
The average life expectancy in Canada has been increasing steadily for over a century. This is due largely to improvements in living conditions and the remarkable advancements in medicine during that time. According to Statistics Canada, the average life span at birth in 1920 was approximately 60 years, and it has now risen to over […]