The CRA's July 1 update raises BC withholding to 6.14% for the rest of 2026, catching up a retroactive provincial rate change that only became law in February. Every other province's payroll tables are unchanged.

A new federal benefit tied to net income joined the OAS clawback on the list of thresholds a retiree's RRSP and RRIF decisions now need to clear.

The CRA confirmed the family loan rate stays at 3 percent through September, the longest stretch of stability since the 1 percent era ended in 2022. With Government of Canada yields still above 3 percent, the income splitting window has not closed.

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.

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.

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.

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 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.

With the Bank of Canada holding at 2.25% and the GoC five-year yield at 3.15%, the 2026 mortgage renewal wave has a tax dimension most planning conversations are missing.

The CRA has locked the prescribed rate at 3% for Q3 2026. The Bank of Canada decides tomorrow. If Macklem signals a hike is coming, Q4's prescribed rate rises and the income-splitting window that has been open since mid-2025 narrows further. Clients who are not yet in a prescribed rate loan structure are running out of optionality.