Introduction: Making More Money Isn’t the Entire Answer We’ve seen households earning roughly the same amount, land in totally different places. One with everything scattered across random accounts. The other is building real options: flexibility at work, more control over taxes, a clear plan for family goals, and the ability to make decisions without that […]
https://youtu.be/AGK9Rs4Aqqk Introduction: The quiet problem most people don’t see Here’s a slightly uncomfortable truth: a lot of Canadians are doing “everything right” financially and still leaking wealth. They earn well. They invest consistently. They avoid obvious money mistakes. Yet a big chunk of what they build never really becomes theirs to keep. It drifts away […]
https://youtu.be/sGJSu0xF3J0 Introduction You’ve been paying into the Canada Pension Plan (CPP) for years—decades, in fact. That deduction comes off your paycheque like clockwork, and for many Canadians, it’s easy to think, “That’s my retirement taken care of.” But here’s the catch: the way you claim CPP benefits has a big impact on how much income […]
https://youtu.be/-7yFMgMCElQ Introduction: The Retirement Income Crossroads Imagine you’ve saved diligently for years, and you’ve finally hit that milestone where your working life is winding down. You’ve got pensions, investments, maybe even a rental property or corporate account. But here’s the lingering question that sits in the back of many Canadians’ minds: *How do I turn […]
https://youtu.be/BxXaVJPenWQ Opening an RESP might seem straightforward: fill out an application, pick some investments, and collect those generous government grants. But here’s the thing—when it comes time to actually use that money, the details of how you set up your plan can have a huge impact on taxes, flexibility, and your long-term estate goals. As […]
Register Here The cost of higher education isn’t cheap. Make the most of your investments in your child’s Registered Education Savings Plan (RESP)! Join TD Direct Investing and Jacqueline Ozdemir from Ferguson Financial Planning of CI Assante Capital Management, an upcoming live episode on September 4, 2025, at 2pm EST! In this episode, they will […]
https://www.youtube.com/watch?v=a9LqHIqSFvI&t=1s What if you could walk away from your career at 53 and still afford the lifestyle you’ve worked hard to build, minus the constant stress and with full confidence that your money will last? It’s not a pipe dream. In fact, it’s something we see more often than you might think. The real question […]
https://youtu.be/9Mbxt4PkwZc You set up an in-trust-for (ITF) account years ago—maybe to give your kid a head start on post-secondary costs, their first car, or simply to teach them about investing. You’ve been managing that money, carefully choosing stocks or funds, watching it grow. Then comes the big birthday: 18. Suddenly, that account isn’t yours anymore. […]
https://youtu.be/EDK9yQ0_cnU Let’s be honest—nothing makes future retirees sweat like a big red arrow on the market report. If you’ve ever caught yourself thinking, “Maybe I should delay retirement until this blows over,” you’re not alone. It’s a natural reaction. Market downturns can feel like a flashing warning sign, telling you to hit pause on your […]
https://youtu.be/WnuL6TD9yX4 Deciding when to start your Old Age Security (OAS) might feel like a simple checkbox on your to-do list. In reality, that timing can spell thousands of dollars gained—or lost—over your retirement years. In 2025, OAS rates, clawback thresholds and tax rules all intersect in ways that call for a clear plan. Do you […]
