The phrase “Time in the markets beats timing the markets” is a revered mantra among investors, coined by the legendary investment analyst Ken Fisher. This wisdom serves as a timely reminder for investors to remain patient, especially during periods of market uncertainty. July continued a stellar year for stocks, with the S&P 500 gaining 1.2%, […]

Estate planning is an essential aspect of financial management that ensures your assets are distributed according to your wishes. One key component of estate planning is understanding the probate process and its implications to you and your loved ones. Probate is a court process that validates your will and authorizes a representative to manage your […]

Summertime is finally upon us, and with it many Canadians have exciting plans to get outside and enjoy this beautiful weather while it’s here to enjoy. Summer is the most enjoyable time of year for many, with countless ways to spend it in this gorgeous country of ours, however it does tempt the little spender […]

Canada’s financial landscape is undergoing a significant shift with the unveiling of the 2024 proposed Federal Budget. Among the proposed changes lies a pivotal adjustment to the capital gains inclusion rate that has taken headlines by storm as of late. While still subject to passing, the proposed changes are set to increase the capital gains […]

As the April 30th annual tax filing deadline fast approaches, many Canadian investors find themselves scrambling to find last-minute strategies to lower their tax burden. However, the truth is that the most effective tax-saving strategies are not concocted in the eleventh hour but rather are prudently implemented throughout the year. Tax efficiency in investment portfolios […]

Investors have long explored ways to optimize their returns while managing their risk. For decades, mutual funds have been the primary investment vehicle for investors to achieve their investment goals. In fact, mutual funds are still the most popular investments by market share. However, recent statistics highlight how rapidly things are changing with the emergence […]

As the Canadian Baby Boomers mature, it is estimated that the next generation will stand to inherit approximately $1 Trillion, with roughly 70% of that in the form of financial assets. As this dynamic unfolds over the decades to come, it will be the largest recorded inter-generational wealth transfer in Canadian History. In response to […]

Whether it’s getting back in the gym or dusting off the book on your shelf you’ve been meaning to read, there’s plenty of optimism and drive to set resolutions in 2024. For many Canadians, part of the ritual will include setting some financial resolutions. In fact, a recent study from Fidelity Investments found that 66% […]

As we approach the holiday season, the spirit of giving is in the air. Despite economic challenges, a recent poll by CIBC revealed that a commendable 71% of Canadians have contributed to a charity or not-for-profit organization at least once this year. While Canadians value the act of giving, many are unaware that there are […]

“At first glance, naming two executors to jointly administer an estate seems like a smart idea, but can naming co-executors also be more trouble than it’s worth?” – James Dolan, 2019 Managing the affairs of a deceased loved one’s estate is a task that requires the utmost consideration and planning. While the idea of appointing […]

The month of October marks a few traditions for Canadians. Many look forward to the positive ambiance of the thanksgiving dinner table, or the enjoyably spooky atmosphere of Halloween night. However, what many Canadians might not be aware of is October also marks another important tradition for Financial Planners & Canadians alike, it is of […]

Canadian homeowners today are facing a unique set of new challenges this year. Whether it is the rising costs of living felt at the pump and the grocery store, or the sharp hikes in interest rates affecting their mortgage payments to name a few. For prospective first-time homebuyers, these challenges can be daunting when coupled […]

As another sunny summer draws to its conclusion, many still look forward to the Fall Season. And as the leaves change, so too does the normal routine for Canadians. For many parents, there exists a tradition that September brings with it – their children’s return to school. As parents prepare children for the upcoming year […]

If you are a proud owner a family cottage, you’ll appreciate all the wonderful memories with friends and family that you’ve enjoyed over the years. Often, all these happy memories place extra sentimental value on the cottage. As the years go by, it can be daunting (but necessary) to think about passing on this family […]