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  1. Why tax refunds aren't always good It’s important for advisors to help clients understand their finances. Many people think getting a tax refund is good, but that's not always true. Here are some reasons why.

    1. Overpaying Taxes
    A refund on a tax return means the client paid too much in taxes during the year. This is like giving the government an interest-free loan. Instead, clients could use that money each month for savings or investments.

    2. Missed Investment Chances
    When clients overpay taxes, they miss chances to invest that money. It could have been earning interest or growing in value instead of sitting with the government.

    3. Poor Financial Planning
    A big tax refund can show poor financial planning. It's better if clients break even, meaning they don't owe much and don't get a big return. This shows their tax withholdings are accurate.

    4. False Sense of Security
    A large tax refund can make clients feel falsely secure. They might spend it quickly instead of saving or investing it wisely.

    5. Financial Hardship
    Overpaying taxes can make it hard for clients to manage their money during the year. They might struggle with monthly expenses or saving for emergencies.

    Advisors should teach clients about the downsides of tax refunds. By adjusting their withholdings, clients can manage their money better and take advantage of investment opportunities. Aim for a balanced tax situation to improve financial health.

    Help clients make the most of their investment opportunities this tax season. For more information, contact your Director, Investment Sales.

    Date posted: March 20, 2025
  2. Pique your Fi-natical Curiosity with Equitable and Invesco

    Get ready for an engaging session where we'll uncover 8 core topics that every advisor should know about clients. One of those core topics is “who do you care about?” This helps advisors understand who is important to clients, so they can then begin to include them in their planning. Let's dive in and discover how to make client relationships even stronger.

    Rob Kochel, Director, Invesco Consulting Canada, will explain how asking the right questions helps advisors learn more about clients, so they can work towards capturing up to 70% more of their clients’ assets. Join Joseph Trozzo, Vice President, Investment Sales, at Equitable® as he hosts this Master Class webcast on “Fi-natical Curiosity”.

    Featured Speaker: Rob Kochel
    Rob is a Director with Invesco Consulting. This group has earned a reputation within the financial sector as a premier provider of business strategies to the industry. Rob is a national speaker who is recruited for keynote presentations and workshops to share his personal learnings and Invesco Consulting's expertise.

    Learn more

    Continuing Education Credits 
    This master class has been submitted for continuing education (CE) approval for all provinces excluding Quebec via the Insurance Council of Manitoba and Alberta Insurance Council. Upon approval, you will be sent an email notification to come back to the webcast presentation console to download your personalized certificate from the tool bar. To be eligible for CE credits, you must register individually, watch the webcast in full and complete a short quiz. It is the advisor's responsibility to ensure Continuing Education credits being offered are accepted by their licensing body. Alberta Insurance Council (AIC) credits are valid in Yukon, British Columbia, Alberta, Saskatchewan, Ontario, New Brunswick, Prince Edward Island and Nova Scotia. Insurance Council of Manitoba (ICM) credits are valid in Manitoba only. 

    This webcast is available in English only. 
     

    Date posted: March 13, 2025

  3. New Individual Wealth tools to support client conversations


    Equitable has new resources now available on EquiNet® — each designed to help support client conversations and make it easier to explain investment strategies in a clear and meaningful way. 

     

    New case studies to help support client conversations  *NEW*
    We know some financial concepts can be tricky to explain. To help, we have created a set of straightforward, advisor‑focused case studies designed to deepen your understanding and help you better grasp the mechanics of our product options, understand the “why,” and translate that knowledge into clear, client-friendly conversations.


    The four new case studies cover:

    • Asset rebalancing

    • Householding

    • Resets

    • Segregated funds vs. mutual funds



    Introducing our fund manager spotlight pages 

    You can now find spotlight pages for every fund manager on the Equitable Guaranteed Investment Funds™ platform. Each page will help you get to know each manager’s vision, investment philosophy and mission. 

    Quickly access: 

    • An overview of each fund manager  

    • Mission and investment approach 

    • Available funds on Equitable GIF 

    • Additional value-added content — including videos, helpful links and more. 

     

    New sample portfolios to help guide client discussions

    A new set of sample portfolios designed to help illustrate how different investment styles might align with a client’s goals are now available. These are not recommendations — they are conversation starters. Use them to help clients visualize: 

     

    • How their strategy could look in practice. 

    • Trade-offs between different investment styles. 

    • How various approaches could support long‑term planning. 


    Have questions or want support navigating any of these new resources? Contact your Director, Investment Sales today. 

  4. [pdf] GIA Laddering Option
  5. Feel confident and at ease with Cloud DX

    We’re making it easier for clients to access our Cloud DX services


    At Equitable®, our clients are our top priority. As part of this commitment, EquiLiving® Critical illness claimants can choose to have Cloud DX virtually monitor their vitals while they recover. This includes receiving tailored medical grade devices and six months of continuous virtual care monitoring.

    Empowering our clients
    We understand that receiving a diagnosis can be overwhelming, leaving clients feeling stressed and uncertain. Our streamlined process helps empower clients to feel more in control of their situation. Clients can feel calm and confident as they focus on their recovery.

    We’ve made the process to access the Cloud DX service easier!

    An Equitable client care specialist will:
    1. Reach out to the client when their claim has been received and explain the Cloud DX services that may help with their recovery. 
    2. Ask if they are interested in being contacted by Cloud DX to learn more and start the service if their claim is approved.
    3. Coordinate the client’s access with Cloud DX. Cloud DX will reach out to the client for an onboarding call

    Learn more

    For more information, please see the Cloud DX and Equitable advisor guide, or ask your Equitable wholesaler for more information.

    Connected Health is a trademark of Cloud Diagnostics Canada ULC. Used with permission. EquiLiving and Equitable are registered trademarks of The Equitable Life Insurance Company of Canada.

    Cloud DX is a non-contractual benefit and may be withdrawn or changed by Equitable at any time. To be eligible for the Cloud DX offering, a claimant must have received payment on or after February 12, 2022, for a covered critical condition benefit under an EquiLiving critical illness insurance plan issued by Equitable. An early detection benefit payment does not qualify. 

  6. Take advantage of our online services today!
  7. Investment Calculators
  8. [pdf] Equitable Guaranteed Investment Funds Understanding sales charge options
  9. Advisor Guide
  10. [pdf] Investment Direction - Pivotal Select