Notes on tax, retirement income, insurance and estate strategies, written for clients rather than for other advisors.
Save Within Debt prioritizes repaying high-interest debt before building savings. By applying excess cash and planned savings to a line of credit, borrowers can reduce interest costs faster while keeping access to available credit for emergencies.
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Discover how the Canadian Dental Care Plan (CDCP) works. Learn about eligibility requirements, family income thresholds, and how this federal program integrates with your existing private or workplace dental benefits.
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Protecting your TFSA growth for your spouse requires the “Successor Holder” designation. In Quebec, this must be in your Will for mutual funds, or the contract for segregated funds. This ensures your spouse inherits your tax-free room without affecting their own personal contribution limits.
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Most people know RRSPs save them money, but few realize they are specifically pulling that money out of their highest-taxed “jar.” Discover the Mason Jar Method and see exactly how to strategically lower your taxable income.
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A thoughtful RRSP drawdown strategy helps retirees reduce lifetime taxes and protect their estate. By managing withdrawals strategically and coordinating with OAS, QPP, and TFSA timelines, investors can optimize retirement income while preserving wealth for future generations.
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Receiving an inheritance from abroad can feel like a welcome windfall—but it often comes with hidden tax implications, paperwork, and cross-border complexity. This guide breaks down what you need to know if you live in one country and inherit from another.
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I have been paying attention to the uncertainty that we are currently living in, and I’m impressed by how many of you have reached out to ask if this is a good time to invest more.
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As we enter 2025, it’s time to set or refine good habits, leverage the latest tax incentives, and position yourself for long-term financial success.
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Owning a car is a significant financial commitment. Beyond the purchase price, you’ll need to budget for insurance, gas, repairs, and maintenance—all of which can quickly add up.
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As you approach and enter retirement, it’s crucial to carefully manage your investment portfolio to ensure a secure financial future.
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The third approach is a financial strategy that has benefited many of our households. It is a simple solution to help address the main financial areas in your life: Debt, Investment, and Lifestyle.
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It is always good to get the whole picture when working on your financial goals. We believe in building a strong financial foundation.
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BAIE is an acronym for Budgeting for Annual and Infrequent Expenses.
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September can often be a financially tight month for some families. With regards to this, Retraite Quebec has introduced a new supplement for school supplies that can help get things in order.
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If you have a child enrolled in private daycare you can receive advance payment for childcare expenses
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If you are facing this situation it means you have made good choices during your accumulation years and are now facing a good problem but why pay more taxes than you need to?
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Starting an allowance helped elaborate a powerful concept that we all struggle with: needs and wants.
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Budgeting does not have to be complicated and a person doesn’t need fancy tools or apps to do it!
Read moreA conversation costs nothing and clarifies a great deal.