The mandatory six-year CUSMA review formally began this week, with auto rules of origin and EV supply chains on the table. Most advisors are watching the trade angle. The more immediate planning question is what a prolonged negotiation means for the clients whose registered accounts hold US-listed securities.

CRA's family income splitting loan rate stays flat through September, while a narrower corporate rate quietly ticked higher.

Five-year fixed renewers from 2021 face the largest payment jump of the cycle, and the geopolitical risk premium is the reason the relief many expected has not arrived.

The CRA's own indexation math locks in the new contribution room well before the November announcement, and a separate, far more urgent deadline lands the day after this article publishes.

The CRA's family loan rate has not moved since last September, but a hawkish Fed pivot raises the odds it will before the year is out.

The CRA prescribed rate stays at 3% for a fifth straight quarter, but falling bond yields on oil's decline suggest the input that sets it may be about to move.

Bond yields have risen on this year's inflation shock, but the rate that governs income splitting loans has not moved. The widening gap is a planning window, not a footnote.

The Canadian dollar's slide to a fourteen-month low against the US dollar is reshaping the currency-hedging decision, and the tax consequences of that decision differ sharply between RRSP, RRIF, TFSA, and non-registered accounts.

CRA confirmed the family income splitting rate stays at 3 percent for a fifth consecutive quarter beginning July 1, but the corporate pertinent loan rate ticked up for the first time since the rate cycle began easing in 2024.

CCPC owners and families running income splitting loans get another confirmed quarter at the lowest prescribed rate since 2022, with a deadline that is not indefinite.

Clients renewing fixed mortgages in late 2026 were counting on bond yields drifting down. New Fed Chair Kevin Warsh just made that less likely, even with the Bank of Canada on hold.

The rate families use to split income through prescribed rate loans holds for a fifth straight quarter. A firmer Fed signal this afternoon is exactly the kind of input that moves the Treasury bill yield the next announcement is built from.

Canadian energy names have shed 20-plus percent from their 2026 peaks in two weeks. For clients holding appreciated oil sector positions inside CCPCs, the capital gains inclusion rate and the timing of any disposition decision are suddenly back in play.

The peace announcement changes the oil inflation calculus precisely when 1.8 million Canadian mortgages are hitting their renewal peak. The planning implications are time-sensitive.

The proposed inclusion rate hike was cancelled in March 2025. The LCGE increase was not. These two facts change the planning calculus for every incorporated client.

The Bank of Canada held at 2.25% yesterday and signalled two-way risk for the remainder of 2026. For clients renewing mortgages or carrying variable debt, the rate path matters enormously. The TFSA conversation most advisors are not having right now is about which clients should be using their $7,000 room to hold fixed income rather than equities, and why the BoC's June statement changed that calculus.