The CRA confirmed its prescribed rate holds at 3 percent for a sixth consecutive quarter, even as rising Government of Canada bond yields raise the odds that the rate used to calculate it moves higher next year.

The CRA confirmed the prescribed rate at 3 percent for the fourth quarter of 2026, but Government of Canada yields near a two year high mean the rate advisors lock in for income splitting loans today may not be available for long.

Friday's Section 338 deadline runs on entry date, not ship date, and that distinction is the real planning window this week.

A 50% US tariff on Canadian goods takes effect at 12:01 a.m. Tuesday with no exemption and no runway. What advisors can still control sits inside the CCPC, not outside it.

Capital gains realized in a record year for the TSX and gold interact with the Alternative Minimum Tax and the OAS recovery tax, neither of which cares that the inclusion rate increase was cancelled.

Government of Canada yields just climbed to their highest since 2024, and the gap with the CRA's locked family loan rate has not been this wide in years.

The five year Government of Canada bond yield has climbed to a multi week high even as the Bank of Canada holds steady. For advisors, that gap is the actual client conversation this renewal season.

Government of Canada bond yields just touched a 26-month high, and short-term Treasury bill yields tend to follow. The window to lock a prescribed rate loan at 3% narrows as the Q4 rate-setting auctions approach.

A fifth straight quarter at 3 percent keeps the income-splitting loan strategy open, and the math says a sixth is likely.

A blowout jobs report moved the five-year bond yield within minutes. The CRA's prescribed rate held for a fifth straight quarter. Advisors need to know which conversation applies to which client.

The five-year GoC yield barely reacted to the strongest jobs report in two years, which is the real story for anyone renewing a mortgage or weighing a prescribed-rate loan this year.

CRA confirmed the Q4 rate this week based on July Treasury Bill yields. The rate itself is not the risk in a prescribed rate loan strategy. Missing the annual interest payment is.

Statistics Canada's June trade release flagged the loonie's steepest monthly decline in nearly four years. For non-registered and corporate accounts, the tax tracking consequence splits along a line most advisors have not drawn: cash conversions get a $200 exemption, securities dispositions and corporate accounts do not.

The 55 percent reset ends a run of twenty straight quarterly increases and closes out TELUS's dividend growth program entirely. What actually changes for a client depends on whether the shares sit in a TFSA, an RRSP or a non-registered account, and the September 10 record date sets the planning window.

Bullion, a gold ETF, and a mining stock can deliver the identical price move and three completely different tax outcomes, depending on the account and the form the metal takes.

Fourteen TSX names moved more than a percentage point on Wednesday's session, eight of them lower. In a non-registered account, that is a planning opportunity with a specific 30 day rule attached to it, and it does not wait for December.