As we enter a new year, why not resolve to better protect your financial security? Financial fraud continues to be on the rise and scams have become increasingly sophisticated. Scammers continue to seek financial gain by stealing identities, accessing login details,...

Portfolio Rebalancing: Four Additional Benefits Rebalancing a portfolio involves adjusting the allocation of assets to bring it back in line with your original investment strategy, ensuring it remains consistent with your risk and return profile. Why is this...

Download this PDF here. The Minister of Finance and Intergovernmental Affairs, Dominic LeBlanc, announced that the federal government will postpone the implementation of the proposed increase to the capital gains inclusion rate—from one-half to two-thirds. Originally...

Investing After Periods of Strong Market Returns “The strongest of all warriors are these two: Time and Patience.”— Leo Tolstoy Following the notable gains in both Canadian and U.S. equity markets in 2024, some investors may feel hesitant about the prospect of...

As an investor, wouldn’t it be great to travel back in time 30 years to alter the course of the future? Knowing what you know now, would you choose to do things differently?1 It may be surprising to recall how the world has changed in three decades. Back in 1995, the...

🌎 The Biggest Economic Shift in 50 Years! 📈 In this compelling episode of Smoking Bulls, we dive deep into the unprecedented economic and political pivots reshaping the global landscape with Dr. Jim Thorne, Chief Market Strategist at Wellington Altus. From U.S. energy...

Has Your (Or Your Family’s) Health Status Changed? As we enter a new year, if your or a family member’s health status has recently changed, it may be an opportune time to explore whether this could unlock access to valuable financial support. Many people are unaware...

RRSP Season: Don’t Overlook the Spousal RRSP It’s RRSP season once again! Over the decades, the federal government has eliminated many income-splitting opportunities available to taxpayers. However, if you have a spouse/common-law partner, don’t overlook the spousal...

Download this PDF here. On January 6, 2025, Prime Minister Justin Trudeau resigned, effective upon selection of a new leader of the Liberal Party of Canada, and requested that Parliament be prorogued. The Governor General consented to the request, terminating all...

Your New Year’s Financial Checklist The beginning of a new year is an opportune time to revisit certain aspects of your wealth management. If you don’t know where to start, here are a handful of ideas. For more information, please call the office. Contribute to the...

Learn the secrets to mitigating investment risks while staying fully invested in the market!  In this episode of the Smoking Bulls Podcast, we’re joined by Nicolas Papageorgiou, a seasoned portfolio manager at Canoe Financial, and Wayne Myers, District Vice President...

Are You Overlooking the Tax-Free Opportunity? There are few “gifts” that the government gives us, and the Tax-Free Savings Account (TFSA) is one of them. The opportunity to invest and grow funds on a tax-free basis over a lifetime should not be overlooked. Yet, the...

Download this article as a PDF. On December 16, 2024, amid a tumultuous day at Parliament Hill, the Federal Government released its heavily delayed 2024 Fall Economic Statement (FES 2024). Earlier that day, Chrystia Freeland resigned as Deputy Prime Minister and...

The FHSA Carryforward Rules & More... The final months of the calendar year are a time when tax strategies are often top of mind. As a reminder, the tax rules allow you to carry forward certain tax credits or deductions not used in the current year. Be aware that...

The RESP: Would You Turn Down “Free Money”? There are many reasons to consider a Registered Education Savings Plan (RESP) to save for a child’s future education: tax-deferred growth within the plan, earnings taxed at the child’s tax rate when eventually withdrawn and,...

Though the pandemic may now feel like a distant memory, it did bring about some positive changes. One notable outcome was that many clients began to take a closer look at their estate planning .In doing so, some discovered that they were concerned beneficiaries might...

A Primer on Structured Notes With the return of equity market volatility and the high concentration among a handful of mega-cap names, alongside volatile bond markets as central banks have raised and lowered interest rates, there has been significant interest in...

Mortgage Debt & the Great Renewal It has been termed ‘the great renewal’: A significant number of Canadian mortgages are coming up for renewal. By one account, around 2.2 million mortgages, or 45 percent of all outstanding mortgages, are set to face higher...

Year-End Planning & An Increased Inclusion Rate With the (proposed*) increase to the capital gains inclusion rate in 2024, there have been various questions from investors about tax planning. Here are two that relate to year-end planning. 1. What is the Capital...

Join us in this Smokin' Bulls episode as Lori Hartery from Desjardins Financial Insurance discusses the Executive Health Plan—a powerful strategy designed to protect corporations while offering significant tax savings for business owners. Whether you’re a small or...

Access to Alternative Investments In the current environment of higher valuations, slower growth and increased volatility, there’s been renewed attention to alternative investments. Alternatives are often given focus during more challenging times since their...

Politics and money are never far apart. Election years frequently bring about questions surrounding changes to public policies, potential regulatory shifts and the ensuing effects on the markets and economy. This year’s U.S. election has been no exception, with...