taxable). Investors can plan when to take the gain, providing more control over after-tax returns. This is especially advan-tageous as you transition from pre-retirement to retirement, when most investors are looking to rebalance their portfolios toward more conservative assets. Further, investors looking to maximize current after-tax cash flow should consider distributions in the form of return of capital (ROC) as paid by corporate class funds. ROC distributions are tax-free until such time the investment is sold (or your adjusted cost base becomes zero, at which time further distributions are treated as capital gains). In this manner, you defer tax that you would otherwise pay on a regular stream of income distributions. Operating fees for many corporate class funds may be slightly higher, so one should ensure that the tax advantages outweigh any incremental costs. Certain corporate class structures are superior to others in achieving tax efficiency. A corporate class strategy can work well alongside other fully funded tax-advantaged options, including RRSPs, TFSAs and IRPs. Contribution limits do not apply to class funds, and as such, are a suitable tool to tax-shelter invest-ment income and create the means for tax-effective portfo-lio rebalancing and tax-deferred compound growth. Accumulating wealth takes effort, and preserving your wealth takes discipline. Wealthy investors are wise to fully fund their tax-sheltered plans, and should consider other deferral opportunities to maximize after-tax returns, such as corporate class funds. As is the case with most areas in life, if you are looking to maximize your success, it is best to surround yourself with a qualified team. Not only is this true when it comes to your personal health, but it is also true for your financial health. An advanced team of financial professionals will equip you with the tools and knowledge you need to make informed decisions that enhance your portfolio success and, ulti-mately, your quality of life. (Disclaimer: Canaccord Genuity Wealth Management is a division of Canaccord Genuity Corp., Member-Canadian Inves-tor Protection Fund. The views in this article are solely the work of the author and not necessarily those of Canaccord Genuity. The information herein is drawn from sources believed to be reli-able, but its accuracy and completeness is not guaranteed, nor in providing it does the author or Canaccord Genuity assume any liability.) For more content on financial management and business planning, visit canadianchiropractor.ca. marketing chiropractic to medical practices Marketing Chiropractic to Medical Practices targets chiropractors and leads them through a comprehensive sales model to demonstrate how they can educate the medical profession on how to utilize chiropractic services for their patients. By implementing a gradual approach from the first office contact to presenting an effective and educational sales call, this text informs chiropractors how to confidently access their greatest untapped new-patient source. Marketing Chiropractic to Medical Practices offers a step-by-step approach to secure medical referrals and develop ongoing professional relationships between the chiropractic and medical worlds. Features: • How to provide a pro-chiropractic message based on evidence-based research • How to access physicians • Uncover patient needs and physician objections for chiropractic care • Learn the most common physician objections and how to overcome them • How to select research that addresses the needs and objections of a physician • How to present research to support a MD/DC conversation 40 Canadian Chiropractor September 2014 chiro book ad Sept 14.indd 1 www.canadianchiropractor.ca 2014-08-01 9:34 AM
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