So, here is a person who represents a growing proportion of Canadians...no work pension...and who will need to live off of investment income in the future.  At 93k per year, her earnings have been pretty good.  But the future is tight financially.  Now, let's imagine the Liberals do what they have been threatening to do.  Capital gains taxes spike up 50%.  How much further out of reach will her goals be?  Diligent financial advisors should be making their clients aware of this risk.