Early this year, Jonathan Got wrote a piece about the proposed Canada Pension Plan (CPP) money-back guarantee — a death benefit concept developed by Dr. Bonnie-Jeanne MacDonald designed to encourage Canadians to delay receiving CPP benefits.

MacDonald, director of financial security research with the National Institute on Ageing at Toronto Metropolitan University’s Ted Rogers School of Management, explained to Got that the guarantee would address the worry many have that they’ll lose out if they delay CPP benefits.

Should a beneficiary die before receiving what they and their employers paid into CPP during their career, their estate or survivor would be paid whatever amount is required to equal 100% of their lifetime contributions. Worst-case scenario, the beneficiary breaks even.

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Michelle Connolly has been named head of advanced wealth planning at Q Wealth Partners. Alisha Hiyate has our holiday-season moves.

James Langton reports on a Canadian accountant who has settled with the U.S. Securities and Exchange Commission over alleged pump-and-dump schemes.

Amin Barakat has thoughts on the year ahead, and esoteric ETF products.

Roland Inacay and Noushin Ziafati spoke with advisors about the year that was (a lot).