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 […]
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 […]
https://youtu.be/yZwYmCfMlKo Retiring with $1 million in savings feels like a milestone worth celebrating. But here’s the thing: $1M isn’t a magic number that guarantees zero money worries. Depending on how you tap into your RRSP, TFSA and non-registered accounts—plus how benefits like Old Age Security (OAS) get clawed back—you could easily watch six figures vanish […]
https://youtu.be/v-KSdJjmXE4 You’ve worked for years to save and invest. When your accounts crossed into the $2 million zone, it felt like a victory lap. You might even be picturing stress-free days ahead. You know what? That number is a milestone, not the finish line. Once your wealth hits that level, new challenges emerge—bigger market swings, […]
Whether markets are trending up or down, investors can benefit psychologically and financially by focusing on their time horizon. Say it’s a period when the market is down and you’re saving for a long-term goal, such as retirement. You may feel anxious if you think only about your portfolio value, but it’s important to keep […]
Life sometimes has its uncertainties. Major economic events, such as a deep recession, or personal challenges, such as job loss or divorce, can shake our financial stability. Corporations and governments establish contingency plans to protect against unexpected calamities, but individuals can also put a plan in place. Here are three ways you can help safeguard […]
Family situations often come with a mix of personal and financial considerations. When complex decisions arise, having guidance from wealth planning professionals can help ease the process and ensure your financial goals remain on track. Below are some real-life examples of how clients and their advisors have worked together to address common family-related financial questions […]
Subscribe to our newsletter to stay update with the latest insights, articles, and webinars.
