Gifting Assets to Family: What You Should Know First For many families, supporting the next generation isn’t just a financial decision, it’s a heartfelt one, too. Whether it’s helping your child buy their first home, easing the weight of student loans, or passing down the family cottage that’s been the backdrop for years of memories, […]

Riding Out the Storm: The Case for Calm in Today’s Markets When markets wobble like they are now in the U.S., it’s tempting to wonder if we’re in uncharted territory. Following President Trump’s Tariff Announcements on April 2nd, the S&P 500 index closed -9.9% in just two trading days. Adding to the volatility, on Monday, […]

What Do Tariffs Mean For Your Portfolio? Much can be observed about President Donald Trump’s recently enacted 25% tariffs levied against Canada and Mexico on March 4, 2025. Tariffs can be used for many purposes, such as to raise money without increasing income taxes on citizens, and to give domestic businesses an advantage over foreign […]

The Importance of a Family Meeting in Estate Planning Estate planning is about more than just drafting documents—it’s about ensuring your legacy is handled according to your wishes. A crucial part of this process is open and transparent communication with your heirs, particularly regarding wealth transfer. One of the most effective ways to accomplish this […]

When Should You Start Collecting CPP and OAS? A More Personal Guide As you start thinking about retirement, one of the trickiest decisions you’ll need to make is when to begin collecting your Canada Pension Plan (CPP) and Old Age Security (OAS) benefits. According to a 2023 survey on ageing in Canada, 9 out of […]

Taking You Through the Four Stages of Retirement: Insight Planning’s Approach At Insight Planning, we believe effective financial planning mirrors the stages of life, adapting to each client’s evolving goals and challenges. Our goal is to help you navigate the complexities of retirement by breaking it into manageable phases, ensuring every decision aligns with your […]

Leaving a Lasting Legacy: The Power of Life Insurance for Charitable Giving in Canada For Canadians looking to leave a lasting charitable legacy while preserving their estate for their heirs, life insurance can be a powerful tool. Today, we are experiencing the early beginnings of an approximate $1 Trillion Dollar wealth transfer over the next […]

As October rolls around and we find ourselves in the final quarter of the year, it’s the perfect moment to take a step back and assess where you stand financially. With strong market returns bolstering portfolios, now is an ideal time to look at what you can do to make the most of the year’s […]

It’s no secret that managing debt is one of the most commonly faced financial planning issues. In fact, Canada currently has the highest level of household debt to disposable income of any G7 country. Canada’s household Debt-to-income ratio has risen from a healthy 66% in 1980 to over 180% in 2021, meaning Canadians owe $1.80 […]