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October Newsletter

Personal Wealth and Finance


Estate View

RRSP and TFSA Rollover to a Surviving Spouse

Upon the death of a spouse in Canada, specific rules govern the transfer of Registered Retirement Savings Plans (RRSPs) and Tax-Free Savings Accounts (TFSAs) to the surviving spouse. These “rollover” provisions are designed to allow for the tax-deferred or tax-free …

 

Life View

Can life insurance fund RRSP estate tax erosion?

When planning your estate. It is important to consider how taxation will affect the future distribution of your estate.  For individuals who are married, when the first spouse passes away, the assets can generally be rolled over tax-free to the …

 

Wealth Viewpoint Quarterly

FRAUD UPDATE: AI Assisted Cybercrime and Financial Fraud.

Generative AI has fundamentally changed cybercrime. It is no longer just about technical exploits but has shifted to hyper-personalized, scalable, and psychologically manipulative fraud. The scale of financial losses is unprecedented. The 2024 Internet Crime Report from the FBI documented …

 

Investor Insight

RRSP and TFSA REVIEW 2026

Updated for 2026 What are some differences between a Tax-Free Savings Account (TFSA) and a Registered Retirement Savings Plan (RRSP)? The tax benefits of the Tax-Free Savings Account (TFSA) The TFSA is a registered savings account that allows Canadian taxpayers …

 

Wealth Viewpoint Quarterly

Transferring RRSPs to RRIFs at age 71

Understanding transferring RRSPs to RRIFs RRSP Maturity Strategies: You are allowed to contribute to your RRSP up until December 31 of the year that you turn 71, at which point your RRSP must be closed. Instead, you can select any …

 

Investor Insight

REVIEW How can mutual funds help manage financial risk?

How can mutual funds help manage financial risk? More significant gains are associated with both business success and variable risk in business and investment. Six risk factors and constructive ways to deal with them are examined below. Risk increases with …

 

More Recent Articles


Financial Viewpoint

Understanding Market Cycles: A Guide to Bull and Bear Markets

Stock market language refers to two predominant patterns: “bulls” and “bears.” These terms describe the prevailing market trend and can sometimes cause concern, but understanding their meaning is key to maintaining a long-term perspective. My goal is to help you …

 

Estate View

Understanding beneficiary designations in Canada

Understanding beneficiary designations in Canada is a critical aspect of estate planning, often overriding provisions made in a will. This is because certain assets, by their very nature, allow for direct beneficiary designations that operate outside of the estate and …

 

Estate View

Financial Strategies using Life Insurance

Life insurance needn’t be a boring topic. It’s the foundation of a sound financial plan. Moreover, protecting our family's financial future is of great interest.

 

Life View

Life Insurance and the Principle of Decreasing Responsibility

The "principle of decreasing responsibility" is a financial planning concept that states that an individual who has dependents such as a spouse and/or children has financial responsibilities that life insurance can help meet in the event of death.

 

Estate View

Early Death Benefit Provisions of Canadian Life Insurers

Most Canadian Life Insurance companies provide policyholders diagnosed with a terminal illness with some form of early access to a portion of the death benefit. However, the specific terminology, eligibility requirements, and benefit amounts vary considerably. Living benefit, Early Death …

 

Investor Insight

Avoid the Old Age Security (OAS) Clawback

The Old Age Security (OAS) clawback, officially known as the OAS recovery tax, reduces the amount of OAS pension you receive if your income exceeds a certain threshold. To avoid or minimize the OAS (Old Age Security) clawback in 2025, …

 

Mortgages

Reviewing your mortgage is important

We have been blessed with low-interest rates affecting lower mortgage rates. Have you thought about what happens to mortgage rates and how a household’s expenses go up when these rates rise?

 

Financial Planning

To retire well, maximize your income strategies

We invest in what people buy. When an equity investment fund or stock is purchased, you indirectly invest in businesses relating to what consumers buy.

 

Estate View

7 ways life insurance protects your financial foundation

Life insurance has been called the foundation of your net worth. If you have a spouse or children, the initial stages of your financial strategy should include adequate life insurance coverage.

 

Investor Insight

Investing with a team of asset managers

If you are an investor who remembers the mortgage debt crisis of 2008-9, you know that the stock market lost significant value. From an investment standpoint, the real downside occurred when some investors sold off their equity holdings due to …

 

Registered Investments

Understanding transferring RRSPs to RRIFs.

RRSP Maturity Strategies: You are allowed to contribute to your RRSP up until December 31 of the year that you turn 71, at which point your RRSP must be closed. Instead, you can select any or a combination of: transferring …

 

Mortgages

Why use a Mortgage Broker

As a dedicated mortgage professional, I have access to numerous lending institutions offering unique mortgage products. First-time homebuyers or those either with a mortgage for renewal or looking to refinance, give us a call. You needn't look any farther as we offer great options as a one-stop broker.

 

Life View

What is taxable in an estate?

After the death of an individual, every estate must file a final (or 'terminal') tax return. All assets are deemed to be disposed of at time of passing, and this can trigger probate fees and other expenses.