facebook twitter instagram linkedin google youtube vimeo tumblr yelp rss email podcast phone blog search brokercheck brokercheck Play Pause

Our Articles & Insights

Six Steps to Retirement Success Thumbnail

Six Steps to Retirement Success

Wondering what the key to a fulfilling retirement is? It’s making the most of everything you have – your free time, your health, and all the money you’ve worked so hard to save! It takes good planning to make the most of your retirement, though. We’ve got six steps you must take to ensure you have a steady stream of income during your retirement years. We’ll explain why you need to take all of these steps – from organizing your assets to estate planning – to make the most of your retirement years.

Read More
Does Cashing Out Your Pension Make Financial Sense?  Thumbnail

Does Cashing Out Your Pension Make Financial Sense?

If you've left a job or will be retiring soon, you may have the option to cash out your pension and put your pension's commuted value into a LIRA or an RRSP. Getting a lump sum will provide you with some investment opportunities, but it also comes with the risk that you'll be tempted to overspend early in your retirement. To help you make this decision, it's essential to be aware of critical factors – such as when your pension will start and what kind of income you may be able to earn if you take a lump sum.

Read More
Why Should I Review My Life Insurance? Thumbnail

Why Should I Review My Life Insurance?

It’s great that you’ve taken the critical step of buying life insurance. But have you reviewed it recently to make sure that your policy is still suitable for you? It’s important to review your life insurance policy annually to check that it is up-to-date and see if you require any additional coverage.

Read More
Estate Planning for Blended Families Thumbnail

Estate Planning for Blended Families

Blended families – where two people get married but have children from previous relationships – are becoming more common. On top of the day-to-day challenges of blending a family, new spouses also have to figure out how to plan their estates, so everyone is properly taken care of.

Read More
Different types of life insurance explained Thumbnail

Different types of life insurance explained

Whether you already have life insurance or are looking to get some, it’s essential to be familiar with the four most common kinds of life insurance available. Getting the best type of life insurance for you ensures that you are getting the coverage you want while providing financial protection for you and your family. These are the four most common kinds of life insurance: • Term life insurance • Permanent life insurance • Participating life insurance • Universal life insurance

Read More
Federal Budget 2021 Thumbnail

Federal Budget 2021

On April 19, 2021, the Federal Government released their 2021 budget. We have broken down the highlights of the financial measures in this budget into three different sections: Business Owners Personal Tax Changes Supplementary Highlights

Read More
What’s new for the 2021 tax-filing season Thumbnail

What’s new for the 2021 tax-filing season

Tax season is underway, and Canadians may be facing some unfamiliar terrain. Job losses, side gigs, and working from home were just some of the by-products of 2020. Those who received emergency government support may find themselves owing taxes for the first time. Along with traditional tax-reduction strategies like contributing to a Registered Retirement Savings Plan (RRSP), there are a few new tax credits and deductions that can help you keep more of your hard-earned money.

Read More
Importance of a Buy-Sell Agreement Thumbnail

Importance of a Buy-Sell Agreement

Working as a partnership between 2 or more individuals is never an easy task, and the situation only gets more complicated when one or more of them exits the business. Protecting not only the business, but your personal interests, as well as your family’s future are very important objectives for any business owner, and should not be overlooked.

Read More
RRSP or TFSA Thumbnail


Both TFSAs and RRSPs can be significant savings vehicles for your clients. We've put together an article to help your clients easily understand the differences between them – with one section focussing on differences in deposits and one focussing on differences in withdrawals. The deposit section focuses on: • How much contribution room is available each year • How carry forward works for TFSAs and RRSPs • Tax deductibility of contributions • Tax treatment of growth The withdrawal section focusses on: • Conversion requirements • Tax treatment of withdrawals • Impact of withdrawals on government benefits • Impact of withdrawals on contribution room

Read More