Financial Planning

Thinking Ahead: Planning a Tax-Efficient Withdrawal Strategy

November 28, 2025

Here is a brief look at common income sources, with ideas to help you optimize withdrawals or manage income streams more effectively:

Are You Overlooking the Tax-Free Opportunity?

October 24, 2025

According to the latest 2024 statistics (for the 2022 tax year), HNW taxpayers earning over $250,000 left around 35 percent of their contribution room unused. While many of us gripe about high taxes, we certainly aren’t doing a great job of maximizing tax-advantaged accounts. The average TFSA fair market value also falls below the cumulative contribution limit. An investor who contributed the full amount each year since the TFSA’s inception in 2009 could have over $159,000, assuming a 5 percent annual rate of return

Turning Homeownership Dreams into a Reality

August 14, 2025

Support can take many forms, including gifting cash, lending funds or purchasing a property in your name—each with differing implications. In brief, here are four high-level considerations

Managing Cash Flow for Unforeseen Times: Are You Prepared?

May 22, 2025

When facing unexpected life events, such as a temporary job loss or illness, ensuring you have adequate cash flow can help prevent unnecessary financial stress and protect longer-term financial goals.

Bull and Bear: Tortoise or Hare?

March 11, 2025

For companies achieving this milestone, success didn’t happen overnight. Buffett’s feat is nearly six decades in the making. When he took control in 1965, Berkshire Hathaway was a struggling textile mill valued at around $22 million

Tariffs 101

February 26, 2025

While tariffs initially trigger concerns, a weaker Canadian dollar can benefit companies earning in USD but trading in CAD.

To Start the Year: Five Wealth Planning Questions & Rules of Thumb

January 22, 2025

If you’re seeking a bit of financial motivation, here are five wealth planning questions that can be addressed with simple “rules of thumb.” They may spark discussions about wealth management, budgeting or family and estate planning

Before Year End: Planning for a Higher Inclusion Rate

December 20, 2024

When you dispose of capital property, you may realize a capital gain or loss: the difference between the proceeds of disposition and adjusted cost base (ACB) of the property.

Are You Concerned About Running Out of Money in Retirement?

November 5, 2024

This article by Yahoo Finance dives into the root of these fears, discussing the economic pressures that are shaping retirement planning in Canada.

Your Home Is Not a Retirement Plan

August 6, 2024

Summer is the season for home sales! With real estate prices continuing their rise, it may be tempting to see your home’s value as a potential source of retirement income. However, when supporting clients in planning for retirement, it’s generally not recommended to factor in a home’s value as a primary part of that plan.

Increasing Capital Gains Inclusion Rate: Planning for a Cabin

July 30, 2024

It is summer once again — and cottage and cabin season is well underway. However, this year has brought new potential challenges for cottage and cabin owners.

Winning the Longevity Lottery 

October 13, 2023

In 1921, the average life expectancy was 57 years; today it is around 84. Reaching the esteemed 100-year milestone is no longer a rarity.

Generational Planning: Financial Lessons from the Summer Job 

September 6, 2023

While many parents may breathe a sigh of relief that a summer job will keep children from being glued to their screens, this is an opportune time for young folks to learn how to navigate life.

RRSP Season Reminders

January 27, 2022

The deadline RRSP contributions for the 2021 tax year is Tuesday March 1, 2022.

Avoid These Five RRSP Pitfalls

February 3, 2022

It is Registered Retirement Savings Plan (RRSP) season once again! Beyond the importance of contributing to the RRSP to grow funds for retirement, avoiding certain practices can also help to save tax or create a bigger nest egg for the future.

The Timeless Wisdom of Warren Buffett

February 18, 2022

We may all benefit from some investing perspective as we experience increased volatility and rapid decreases across most equity markets. Who better to draw on for that wisdom than one of the most successful investors of our time, Warren Buffett.

Keep Time on Your Side

March 4, 2022

Being invested can be one of the best ways to grow wealth over the longer term. Yet, after an extended period of gains, some investors may feel hesitant to put money to work in equity markets. While volatility was muted for most of 2021, let’s not forget that it is a normal part of equity markets. It is the price paid for the upside potential.

Six Investment Myths Busted

July 7, 2022

You don’t have to look too far away from the big screen to see real-life examples of people whose actions have perpetuated the link between the wealth industry, untrustworthy characters and get-rich-quick trades.

The Importance of Holding On

October 16, 2022

It has been difficult to find much market commentary that suggests positive developments in the financial and economic markets over recent times. The reasons are many: high and persistent inflation, more aggressive tightening policies by central banks and the prospect of recession.

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