Perspective on the decisions that shape your financial life.
Unused RRSP contribution room does not disappear; it carries forward every year. If you have fallen behind on contributions, you may have more room than you realize. Here is how RRSP catch-up contributions work and how to use them to reduce your tax bill.
Read More →Generic semaglutide (the active ingredient in Ozempic) is now available in Canada, and it has the potential to meaningfully reduce drug costs for employer-sponsored benefits plans. But savings are not automatic. Here is what plan sponsors need to know and do right now.
Read More →For Canadians living with a disability, three savings accounts offer very different benefits. The RDSP comes with significant federal grants and bonds. The TFSA offers tax-free flexibility. RRSP contributions are generally tax-deductible. Here is how to tell which one fits your situation, and how they can work together.
Read More →Life insurance doesn't have to be confusing. Learn how it works, the difference between term and permanent coverage, and how to decide how much protection your family may need.
Read More →The 2025 tax year brings a lower federal tax rate, higher contribution limits, and several eliminated credits. From the new Canada Disability Benefit to changes in CPP2 and capital gains rules, here are the key lines to watch when filing your 2025 Canadian tax return.
Read More →The 2026 Ontario Budget brings major changes for small business owners, home buyers, and investors. From a cut to the small business tax rate to an enhanced HST rebate on new homes, here is what you need to know and how it could affect your finances.
Read More →A Tax-Free Savings Account (TFSA) is one of the most flexible savings and investing tools available to Canadians. With tax-free growth, tax-free withdrawals, and a 2026 annual contribution limit of $7,000, a TFSA can support everything from short-term goals to long-term planning.
Read More →Managing your finances effectively begins with staying informed about important dates and deadlines throughout the year. This comprehensive guide outlines key financial milestones, including tax deadlines, benefit payment schedules, and contribution opportunities, to help you stay organized and on track.
Read More →Over the course of your investing life, you'll encounter market lows and highs. Headlines often spotlight the extremes, especially when markets reach record levels. But decades of market data reveal a counterintuitive truth: waiting for the perfect moment often costs more than it saves.
Read More →What's your ideal retirement? Traveling? Practicing your favorite hobbies? Caring for loved ones? Whatever you envision, creating a plan of action can feel exhausting. There are, however, a few simple, yet commonly overlooked steps you can take today to help you feel more comfortable throughout your planning process.
Read More →Post-secondary education can be expensive, however, having the opportunity to plan for it helps with making sure that you're capable of meeting the costs of education. We outline 7 sources of funds for paying for post-secondary education.
Read More →For many investors, the ultimate goal is not just financial success, but also to make a positive difference in the world. Intrigued by the idea of doing good while growing your wealth? Let's explore the powerful concept of socially responsible investing (SRI).
Read More →A financial plan looks at where you are today and where you want to go. It determines your short, medium and long term financial goals and how you can reach them.
Read More →From CEOs to athletes, most people striving for a certain level of performance are constantly assessing where they are and where they want to be. A gap analysis can give you a snapshot of your current situation and help you decide the adjustments you'd like to make to get back on track.
Read More →While winning the lottery is well outside mainstream reality for most people, it's not uncommon to suddenly receive a large inheritance, a settlement, or perhaps a stroke of good luck. If you find yourself with a sudden windfall, here are some tips that may help.
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