EDUCATION

It’s never too late to learn more. Financial education is the foundation for financial confidence.

The Gift of Opportunity: Building and Using Your Child’s RESP

August 27, 2026

September always feels like a season of transition. For some families, it means returning to familiar school routines. For others, it marks something much bigger: helping a child pack their belongings, move into residence or begin their first semester of college or university

The Family Camp: A Treasured Gift or an Unexpected Burden?

Pour yourself a coffee. This is an important 10 minute read for families who own a camp or cottage. It is July, which means many of you are spending your weekends by the lake, enjoying time at the family “camp,” as we call it here in Northern Ontario, or the “cottage,” for our friends farther south. It occurred to me that, while everyone is gathered together this summer, it may be the perfect time to start an important family conversation, if you haven’t already.

The Plans We Make, the Life That Happens, a Mid-Year Check-In

As we reach the halfway point of the year, many of us find ourselves revisiting the goals we set back in January. Perhaps you planned to save more, pay down debt, contribute regularly to your investments, update your estate plan, or finally tackle that lingering financial to-do list. And let’s be honest— no matter what stage of life you’re in, there always seems to be a financial to-do list.

Renting vs Buying in 2026: Is Home Ownership Still the Ultimate Financial Goal

For generations, owning a home has been viewed as one of the cornerstones of financial success. It represented stability, security, and long-term wealth creation. In many cases, a home became the single largest asset a family would ever own. And historically, that worked well. For many retirees today, home equity has become an important part of their retirement strategy.

What Uncertainty Makes Us Pause And What To Do Instead

If the past few months have felt uncertain financially—you’re not imagining it. Interest rates are unclear. Markets are reacting quickly to global events. Economic forecasts seem to change every few weeks. And the natural question becomes: What should I be doing right now?

The Power of Financial Independence

A Note for International Women’s Day International Women’s Day is just around the corner, and it always gives me a moment to pause and reflect on something I have the honour of seeing unfold every day in our practice: the remarkable financial strength and independence of the impressive women we have the privilege of advising. Between Us Ladies Soirée

Protecting What You’ve Built, and Who You Built It For

February 14, 2026

A Smarter Way to Think About Life Insurance Most people don’t get life insurance wrong because they don’t care. They get it wrong because they misunderstand what it’s actually meant to do.

Starting 2026 With Clarity and Confidence

January 17, 2026

This time of year, often brings a rush of motivation — and sometimes a quiet pressure to “get it all right.” But one of the most important things I remind clients is this: Financial success isn’t just about numbers. It’s about behavior.

Estate Cash Flow Planning for Financial Stability

December 27, 2025

There is significant emphasis placed on cash flow planning during a client’s lifetime but what is often overlooked is planning for cash flow after death.

Smart Financial Advice to Carry Into the New Year

December 19, 2025

Reflect on the past year and move forward with confidence. Three timeless financial principles to carry into the new year with clarity and purpose.

Estate Planning Tips for Blended Families

November 13, 2025

Remarried? Learn how to protect your assets, care for your new spouse, and preserve your children’s inheritance with smart estate planning for blended families.

When to Update Your Insurance Coverage

October 27, 2025

Life changes and so should your insurance. Learn when and why to review your coverage to keep your family protected and your financial plan on track.

How U.S. Elections Affect Markets: Key Investor Insights

October 1, 2025

Curious how presidential elections affect your investments? Explore historical data on market performance under different presidents, party influences, and volatility trends to guide long-term investment decisions.

Giving While Living: Joy in Lifetime Gifting

September 17, 2025

When it comes to passing on wealth, many people instinctively think of estate planning after death. Yet, gifting assets during your lifetime can be an incredibly rewarding strategy — both financially and emotionally. So why don’t more people do it? The answer lies not just in tax codes, but in human psychology.

How to Find and Buy Canadian-Made Products

September 1, 2025

Want to support Canadian businesses? Learn how to find and buy Canadian-made products to save money and boost the local economy.

Tulip Mania & What It Teaches Modern Investors

August 21, 2025

Discover how a 17th-century tulip craze reveals timeless truths about market bubbles, investor psychology, and staying grounded in today’s volatile world.

Shifting from Saving to Spending in Retirement

Struggling to spend your savings in retirement? Learn why the mindset shift from saving to spending is so hard, and how to navigate it with confidence.

4 Retirement Mistakes to Avoid in a Recession

Market Declines: A History of Recoveries

Learn how emotions can impact investment decisions during market downturns and the importance of staying the course for long-term financial success.

Transitioning Into a Retirement Home: The Mental Hurdle & The Psychology Behind It

Struggling with the idea of moving to a retirement home? Learn the psychology behind this life shift and how to make a confident, proactive decision.

Why Discipline Beats Market Uncertainty

Tariffs, fear, and volatility are shaking the market, but long-term discipline still wins. Here’s why sticking to fundamentals pays off.

New U.S. Tariffs: What It Means for Canadians

February 14, 2025

New U.S. tariffs on Canadian goods could mean higher prices, job losses, and economic uncertainty. Here’s what you need to know.

Canada’s Housing Crisis 2025: Forecasts & Market Trend

January 16, 2025

Tariffs Explained: Who Pays & Their Impact on Global Trade

December 6, 2024

Entrepreneurship & Relationships: Managing Stress

Entrepreneurship can be thrilling, but it also comes with emotional challenges for couples. Discover how self-employment impacts relationships and learn strategies to manage stress and maintain a healthy partnership.

Why You Should Share Your Estate Plan Now

Effective estate planning involves more than just drafting documents. Discover why it’s crucial to communicate your estate plan to your family and how it can prevent confusion and conflict.

The Cost of Free Financial Advice: What to Know

Free financial advice might seem appealing, but it often lacks reliability and personalization. Learn why investing in a professional Financial Advisor can lead to better financial outcomes and peace of mind.

Family Business Succession: Key Planning Tips

Succession planning for a family business is a complex process that requires careful consideration. From choosing a successor to managing financial complexities, this guide offers valuable insights for a smooth transition.

Financial Recovery After Divorce: Steps to Rebuild

Navigating finances after divorce can be daunting. Explore expert guidelines for rebuilding your financial future post-divorce, from budgeting and housing decisions to insurance and estate planning.

TFSA Contribution Limits & Penalties Explained

Don’t get caught paying hefty TFSA penalties! Learn how to avoid hefty TFSA penalties by understanding the contribution limits and tracking your contributions properly.

2024 Federal Budget: Key Highlights & Changes

Explore the key highlights and proposed changes from the 2024 federal budget, covering topics such as retirement plans, pensions, taxes, health initiatives, and more. Stay updated on the latest developments in Canadian fiscal policy.

Maximize Your Tax Return: Filing Checklist

Stay organized and on track with your tax filing using this comprehensive checklist. From federal tax slips to receipts and documentation, ensure you’re claiming all eligible deductions and credits for a maximized tax return.

HBP vs. FHSA: Best Home Buying Option?

Navigating the complexities of buying your first home in Canada’s challenging economic climate? Explore the differences between the Home Buyers’ Plan (HBP) and the Tax-Free First Home Savings Account (FHSA). Understand eligibility, contribution limits, and the strategic advantages of each to make informed decisions on funding your home purchase, whether through withdrawing RRSP funds tax-free with the HBP or benefiting from tax-deductible contributions and tax-free withdrawals with the FHSA.

RRSP vs. Spousal RRSP: Maximize Retirement Savings

February 16, 2024

Dive into the strategic advantages of RRSPs for high-income earners and discover how Spousal RRSPs could be the key to optimizing your family’s retirement income and reducing taxes.

When Should You Start Drawing CPP?

February 2, 2024

Discover the complexities of deciding when to start drawing your CPP benefits. Explore the financial implications of early vs. delayed CPP payments, the psychology behind present bias, and the importance of financial literacy in making informed decisions about your retirement income.

End-of-Life Planning: Avoid Common Mistakes

January 23, 2024

Explore the challenges of end-of-life planning and understand why so many Canadians grapple with this crucial aspect of financial strategy.

Maximize Charitable Giving & Tax Benefits

December 3, 2023

Discover innovative ways to enhance your charitable giving during the holiday season and beyond.

2024 CPP & RRSP Updates: New Limits & Earnings

November 24, 2023

Explore the latest changes for 2024 in Canada’s Pension Plan (CPP) and Registered Retirement Savings Plan (RRSP). Discover the new earnings ceilings, contribution rates, and updated limits affecting your financial planning.

Why You Should Hold a Family Financial Meeting: Planning for the Future

October 27, 2023

Discover the importance of holding a family financial meeting to discuss healthcare, estate plans, and financial matters. Learn about key topics to cover and how to make the meeting a success.

What to Do When the Market is Down: Options and Strategies for Investors

October 13, 2023

Discover the best strategies for investors when facing a down market. Explore the historical data and learn how different approaches can impact your investment outcomes.

The Gift of Opportunity: Building and Using Your Child’s RESP

August 27, 2026

September always feels like a season of transition. For some families, it means returning to familiar school routines. For others, it marks something much bigger: helping a child pack their belongings, move into residence or begin their first semester of college or university

The Family Camp: A Treasured Gift or an Unexpected Burden?

Pour yourself a coffee. This is an important 10 minute read for families who own a camp or cottage. It is July, which means many of you are spending your weekends by the lake, enjoying time at the family “camp,” as we call it here in Northern Ontario, or the “cottage,” for our friends farther south. It occurred to me that, while everyone is gathered together this summer, it may be the perfect time to start an important family conversation, if you haven’t already.

The Plans We Make, the Life That Happens, a Mid-Year Check-In

As we reach the halfway point of the year, many of us find ourselves revisiting the goals we set back in January. Perhaps you planned to save more, pay down debt, contribute regularly to your investments, update your estate plan, or finally tackle that lingering financial to-do list. And let’s be honest— no matter what stage of life you’re in, there always seems to be a financial to-do list.

Renting vs Buying in 2026: Is Home Ownership Still the Ultimate Financial Goal

For generations, owning a home has been viewed as one of the cornerstones of financial success. It represented stability, security, and long-term wealth creation. In many cases, a home became the single largest asset a family would ever own. And historically, that worked well. For many retirees today, home equity has become an important part of their retirement strategy.

What Uncertainty Makes Us Pause And What To Do Instead

If the past few months have felt uncertain financially—you’re not imagining it. Interest rates are unclear. Markets are reacting quickly to global events. Economic forecasts seem to change every few weeks. And the natural question becomes: What should I be doing right now?

The Power of Financial Independence

A Note for International Women’s Day International Women’s Day is just around the corner, and it always gives me a moment to pause and reflect on something I have the honour of seeing unfold every day in our practice: the remarkable financial strength and independence of the impressive women we have the privilege of advising. Between Us Ladies Soirée

Protecting What You’ve Built, and Who You Built It For

February 14, 2026

A Smarter Way to Think About Life Insurance Most people don’t get life insurance wrong because they don’t care. They get it wrong because they misunderstand what it’s actually meant to do.

Starting 2026 With Clarity and Confidence

January 17, 2026

This time of year, often brings a rush of motivation — and sometimes a quiet pressure to “get it all right.” But one of the most important things I remind clients is this: Financial success isn’t just about numbers. It’s about behavior.

Estate Cash Flow Planning for Financial Stability

December 27, 2025

There is significant emphasis placed on cash flow planning during a client’s lifetime but what is often overlooked is planning for cash flow after death.