True Costs of Financial Procrastination

02 2025 1

Have you ever thought, “I’ll start saving next month” or “I’ll get serious about my financial strategy next year”? If so, you’re not alone. Procrastination is something we’ve all been guilty of at some point. However, when it comes to your finances, the costs of waiting can be much higher than you think. Let’s explore […]

Insurance Essentials for Small Business Owners

02 2025 2

Starting a small business often begins with a great idea and a desire to build something meaningful. For many owners, their business isn’t just a source of income—it’s how they provide for their families. But here’s the thing: most small businesses rely heavily on the health, skills, and vision of the owner or a key […]

The Retirement Dilemma: Part 2

02 2025 3

In retirement, most people aim for financial security—but rising costs can make that harder than expected. Let’s talk about it. Many seniors prefer to invest in “safe” options, but here’s the reality: your expenses don’t stay the same. Costs like hydro bills, property taxes, and healthcare typically climb year after year. So, what’s the plan? […]

New Years Financial Resolutions

Jack and Diane want to improve their financial situation and feel that making financial New Years resolutions and implementing them is a good start. To help identify their priorities, they made the following list:   Set Objectives – Goal setting is the foundation of achieving financial success. If they write down their goals, it will […]

More Overlooked RRSP Tricks

More than 65% of Canadians have made deposits to Registered Retirement Savings Plans (RRSPs). Many do so just for the tax savings, but here are some often overlooked tricks you should be aware of:   RRSP loans – Those who use investment funds for their RRSPs should be well aware of the strategy of ‘buying […]

Year-End Tax Planning Ideas

11 2024 1

The following are some ideas for individuals and business owners to reduce income taxes as 2024 draws to a close.   Individuals should consider doing their RRSP contributions before the RRSP rush in the first 60 days of 2025. You can get better values by buying today than when all the last minute procrastinators rush […]

Bad Excuses for Putting Off Investing

09 2018 2

Recent college or university graduates with their first career job have an understandable itch to spend money after years of living on Kraft Dinner. Yet this is the ideal time in life to start developing the correct habits that will lead to a comfortable future lifestyle. But we often hear reasons why now is not […]

Weighing the Cost of Your Retirement Dreams

11 2024 2

We all know how easy it is to romanticize our retirement years. Many of us make lengthy lists of things we will do and experience in those golden years. We have little doubt about our ability to enjoy the perfect blend of leisure and excitement, which is what makes the very idea of retirement seem […]

Regulators Target Compensation Structures

The current compensation model for financial industry participants*, who promote the use of investment funds and other managed investment products for retail clients, has been mostly unchanged for over 30 years.   Regulators, led primarily by the Canadian Securities Administrators, (CSA – a national committee representing most Provincial Securities Regulators) have been studying and reviewing […]

How to Care

Our parents raised us; we moved out, had children of our own and raised them. Then our children moved out and had children of their own to raise. It was supposed to stop there for us, but then one day we had to look after one or both of our parents.   According to a […]