Blog
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How to Access Equity from Your Principal Residence during Retirement
By Clay Gillespie on 12 Apr 2024
For many British Colombians, a large amount of their net worth is tied up in the equity of their principal residence. There are four main avenues to access this equity - all with some advantages and disadvantages
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Hold on Dorothy, We’re Way Beyond Kansas Now!
By Brett Simpson on 19 Mar 2024
In the Land of Oz and the ever-evolving landscape of the stock market, a phenomenon that should capture the attention of investors is a tornado-like concentration of market value within a select few companies.
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Money and Your Mental Health
By Anne Hammond on 13 Feb 2024
Many people believe that managing their money is only about math, but did you know that your mental health is related to your money too?
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What is an RESP and Why Should I have One?
By Reg Sangha on 15 Jan 2024
As the parent of two teenagers, I think I have a good idea of what it costs to raise them. Over time, costs transition from diapers and new clothes as they continuously outgrow them, to paying for activities and increased food consumpt
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CRA – Good ideas, higher costs and alerts
By Teresa Black Hughes on 12 Dec 2023
Although we don’t prepare tax returns, we do keep up with what’s happening with Canada Revenue Agency and how that affects our clients.
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Do Wars Cause Market Downturns?
By Ryan Gee on 10 Nov 2023
It is not a surprise that global conflicts are known to create a feeling of uncertainty among investors. This uncertainty can cause investors to want some level of control by wanting to hold more cash.
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First Home Savings Accounts – Available Now!
By Jon Knutson on 13 Oct 2023
Buying a home can be a challenge for many Canadians. Fluctuations in home prices, along with increased interest costs play a huge part in a first-time homebuyer’s ability to afford a home.
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Are You Prepared?
By Tara Ennevor on 18 Sep 2023
During times of uncertainty or in emergency situations, especially during a serious health event or natural disasters like the recent wildfires, being prepared takes on a new level of importance.
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What is the Alternative Minimum Tax?
By Brent Vandekerckhove on 15 Aug 2023
You may have heard rumblings about changes to the “Alternative Minimum Tax,” and have perhaps asked yourself, what is this and how does it affect my own situation?
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How to Protect Yourself from a New Kind of Financial Scam
By Anthony Ma on 13 Jul 2023
Imagine you are sitting at home on your patio with a coffee in one hand and your cell phone in the other, listening to a voicemail that appears to have been left by your daughter.
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How Seniors Can Benefit from the Disability Tax Credit
By Daniel Sitar on 13 Jun 2023
The disability tax credit (DTC) can be a powerful benefit for Canadians who qualify. It allows an individual with an impairment or supporting family member to reduce the amount of income tax they pay.
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Are you Compatible…Financially?
By Debbie Saleem on 15 May 2023
Although it's not always easy initiating conversations around money, talking openly about finances is important for your relationship's wellbeing.
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Defined Benefit Pension Plans
By Bryn Hamilton on 14 Apr 2023
Do you contribute to a defined benefit pension plan?
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Pumping the brakes
By Christian White on 15 Mar 2023
When the economy is overheated and asset prices are inflated, pulling the interest rate strings is the economic definition of pumping the brakes.
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Pay Down Debt or Invest?
By Nick Hearne on 14 Feb 2023
Extra cash can present a dilemma – is it better to pay down your debt or put the money to work in investments?
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New Savings Options and Tax Changes For 2023
By Bryson Milley on 16 Jan 2023
It’s not often that a new calendar brings interesting new savings and tax changes, but 2023 is an exception.
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Today is the Present
By Vera Vlaovich on 20 Dec 2022
What present are you giving yourself for Christmas this year?
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Are You Stuck in a Rut
By Cecilia Tsang on 15 Nov 2022
Do you have a habit or a pattern of behaviour that has become unproductive and hard to change?
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First Home Savings Accounts (FHSA)
By Shaun Sun on 20 Oct 2022
Saving to buy your first home? Here are 5 things you should know about the new Tax-Free First Home Savings Account (FHSA)
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Younger Next Year
By Alain Quennec on 15 Sep 2022
Several years ago, I was able to attend a talk by Chris Crowley, co-author of Younger Next Year (along with his physician, Dr. Henry Lodge), a book about living healthily and with vigor and energy.
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A Beginner’s Mindset
By Mark Neufeld on 15 Aug 2022
In life, learning never stops.
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In for a Penny, In for a Pound - Investing Through Volatility
Posted on 19 Jul 2022
Recently, we have been surrounded with news about a slowing economy and central banks raising interest rates in an attempt to lower inflation. This level of uncertainty in the economy has sparked a lot of volatility in capital markets.
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Mortgage Rates in a Rising Interest Rate Environment
By Ryan Gee on 16 Jun 2022
Raising interest rates is the Bank of Canada’s (BoC) weapon of choice to combat inflation.
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Prescribed Rate Loan: An Income Splitting Opportunity
By Linson Chen on 16 May 2022
Income splitting refers to transferring income from high income earners to lower income family members. Income splitting can be used to reduce the total taxes that you pay as a family when members are in different marginal tax bracket
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In-Kind Donations to Charities
By Jon Knutson on 18 Apr 2022
With all that is going on in the world, gifting to those in need is top-of-mind right now. Cash gifts are the most common way to donate to charities - it’s simple and provides you with a tax credit.
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Review Your Variable Rate Loans in light of Higher Interest Rates
By John Hale on 16 Mar 2022
On March 2nd, 2022, the Bank of Canada increased its overnight interest rate by 0.25% to 0.50%, in what is widely expected to be the first of a series of small rate hikes this year to cool the economy and tame inflation.
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Tax Slips and Deadlines
By Cory Hill on 15 Feb 2022
As we make our way through the first months of 2022, we all begin to turn our attention to tax time.
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Four Focus Points for a Successful Portfolio
By Chris Eynon on 20 Jan 2022
The balance of any successful portfolio should consider the following: Liquidity, Income, Preservation of Capital and Growth
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Government Benefits
By Clay Gillespie on 16 Dec 2021
There are two main types of government pensions that most Canadians can expect to receive during their retirement years: Old Age Security (OAS) and the Canada Pension Plan (CPP).
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Cracks in the Veneer
By Brett Simpson on 22 Nov 2021
After massive government intervention in labour markets and mandatory vaccination policies to help mitigate the effects of the pandemic, some industries are struggling to find or keep quality personnel to fulfill their business purpose
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Planning a vacation? Don’t forget the sunscreen – and your travel insurance!
By Debbie Saleem on 09 Nov 2021
Now that the U.S. border is finally open, and Covid restrictions are beginning to ease worldwide, many of us are starting to plan the vacations we’ve yearned for.
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Financial Self Care
By Reg Sangha on 13 Oct 2021
Now is an opportune time to assess our own financial situations, simplify our lives, and build healthy habits for the future.
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Five Ways Students Can Save Money
Posted on 17 Sep 2021
September means students are heading back to class. Every dollar counts when you’re a student – here are five tips on stretching that cash.
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Work Trends – Preparing for Change
By Teresa Black Hughes on 17 Aug 2021
Whether a change of employment is a matter of choice, or is thrust upon you, there are a few things to consider. After all, preparedness is one of the best ways to reduce stress.
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Mask On/Mask Off/Mask Maybe
By Tara Ennevor on 16 Jul 2021
July 1st this year was a day of decisions. In BC, do we keep wearing our masks, take them off for good or wear them in some places but not others?
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Tales from the 'Crypt-ocurrency'
By Brent Vandekerckhove on 14 Jun 2021
Cryptocurrency. Now that I have your attention, I wanted to share more on the subject.
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The Downside of Tax Refunds
By Anthony Ma on 18 May 2021
Tax time can come with its many challenges, including navigating through a pile of paperwork to ensure you haven’t missed reporting any tax slips to CRA.
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Federal Budget Updates
By Anthony Ma on 29 Apr 2021
The Federal Government introduced its updated budget on April 19th.
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The Power of Compounding
By Daniel Sitar on 15 Apr 2021
According to Albert Einstein, “compound interest is the most powerful force in the universe.”
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