Earlier this year, the government shared its progress on the Canadian Dental Care Plan (CDCP) The CDCP will be available to Canadians with an annual family income of less than $90,000 who do not have dental benefits. Co-pays will be waived for eligible Canadians with a family income of less than $70,000. Canadians who have […]
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Preparing for the Future with a Registered Education Savings Plan
As 2023 comes to a close, it is important to consider financial contribution deadlines, like the one within an RESP savings account. READ: University campus tours are in full swing. But even parents with RESPs lack an education financial plan – The Globe and Mail An RESP savings account is a key component in preparing […]
Maximizing Your Wealth: Discover Tailored Investment Solutions for your Financial Goals
It’s important for you and your family to have a tailored wealth management solution in which you have the utmost confidence, to grow, protect, and enjoy your wealth. As your investable assets reach a pivotal threshold, an avenue emerges to construct a portfolio comprising individual securities. Our private investment counsel offering will create just that […]
Consider the 1-2-3 impact of a Group Retirement Savings Plan for your employees
FINANCIAL SECURITY & PEACE OF MIND Most Canadians worry about their retirement savings and struggle to save. An employer that delivers on these two concerns lowers the collective stress of its workforce. Employers rest with the knowledge that long-term employees can retire well and at a healthier age. HIGHER ACCOUNT BALANCES Low management fees lead […]
Will your children be able to afford the Capital Gains Tax on the family cottage?
One of the greatest financial challenges your children will face upon inheriting the family cottage is the capital gains tax liability. As your cottage appreciates in value over time, the difference between the original purchase price and the market value at the time of inheritance can lead to a substantial capital gains tax, and possibly […]
Business Owners save tax using HealthPlus
HealthPlus is a Private Health Services Plan. Used by thousands of business owners across Canada, a PHSP enables the business to deduct 100% of the family’s health and dental expenses incurred by themselves and their employees as a business expense. One of the great benefits of our plan is that it gives you the freedom […]
What is your Retirement Number?
When it comes to retiring the crucial question business owners and employees want to know is: What’s my number? This question extends beyond merely a rhetorical inquiry—your number is about understanding how much you can comfortably spend in your retirement years without outliving your savings. There are steps that need to be taken early enough […]
Business owners brace for second stage of CPP expansion
Whether you’re an employee or self-employed, you are required to contribute to the Canada Pension Plan (CPP), recently you may have noticed that the amount you’re required to contribute has been slowly climbing. What many don’t know, is that there is a second stage of the Canada Pension Plan (CPP) expansion, which entails further increased […]
Now is the time to think about replacing your Mortgage Insurance with something better!
Whether you’re buying a new home or renewing your mortgage, you will want to protect yourself with insurance – either mortgage insurance or individual life insurance. But which is the better option? Mortgage insurance might seem like the logical choice but it is not what we recommend to our clients. Did you know that individual […]