Our monthly blog will give us a unique opportunity to share news, updates and content, while also offering a place for us to interact with you and our community.
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Understanding How RRIFs Are Taxed in Canada
By John Hale on 21 Sep, 2026
For many Canadians, an RRSP is a cornerstone of retirement planning. Eventually, the focus shifts from accumulating savings to drawing income from those assets. That is where a Registered Retirement Income Fund (RRIF) comes…
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Disability Tax Credit
By Cory Hill on 14 Aug, 2026
One of my colleagues did a deep dive into the Disability Tax Credit (DTC) to help a family member. He subsequently gave us all a very informative presentation on it at one of our annual advisor retreats. I thought it may be…
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Growing Your Money Was Only Half the Job
By Chris Eynon on 08 Jul, 2026
For most of your working life, the goal was straightforward: save consistently, invest wisely, and build your wealth over time. Retirement changes that goal. Once the paycheques stop, your investments have a new job. Instead of…
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Why Market Volatility Is Normal
By Clay Gillespie on 19 Jun, 2026
Over a typical 10-year period based on investment returns – you’re going to love us twice, hate us twice, and be indifferent to us six times. What this actually means is that over a 10-year period, the market typically goes up…
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The Biggest Single Determinant of Investing Success…
By Brett A. Simpson on 15 May, 2026
At the heart of human our nature—and, by extension, modern investing—are several foundational concepts that help explain why we sometimes act more like a nervous herd of gazelles than cool-headed analysts. Herd behaviour describes…
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Spring Cleaning Tips – For Your Finances
By Anne Hammond on 13 Apr, 2026
Spring is often when we think about cleaning up our homes and our yards, getting prepared for summer. It’s also a good time to think about organizing our finances as we file our tax returns and receive our Notices of…
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The Spirit of Giving All Year Long
By James Huynh on 16 Mar, 2026
The spirit of giving, whether it’s charitable or otherwise, is usually front of mind for a lot of people every year as December rolls around. As obvious as it seems, even though it’s no longer the holiday season, the spirit of…
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Your Greatest Asset
By Karen Leon on 17 Feb, 2026
When I was twelve, my parents sat me down to share that my mom was diagnosed with cancer and that our family expenses will need to be cut as she will no longer be able to work while she undergoes surgery and treatments. Each of our…
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RDSP Basecamp: Learning the Basics of an RDSP and How It Can Help You
By Ryan Gee on 13 Jan, 2026
Sometimes I ask myself, “Are our clients utilizing all the savings plans offered by our government?” For example, one type of government savings plan is the RDSP or Registered Disability Savings Plan. It is a long-term…
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It’s All About the Prompt
By Tara Ennevor on 11 Dec, 2025
Artificial Intelligence (AI) is everywhere these days, from helping you find recipes to organizing your travel plans. But here’s the secret: AI is only as good as the prompt you give it. Think of a prompt as the instruction you give…
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Financial Literacy Month: Why Planning Brings Peace of Mind
By Brent Vandekerckhove on 17 Nov, 2025
November is financial literacy month, and as advisors, we continue to educate our clients. It’s crucial to understand what’s most important to our clients so we can continue to help and provide the best advice possible. CPP…
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CRA’s Digital Transition: What Taxpayers Should Know
By Anthony Ma on 14 Oct, 2025
In recent years, the Canada Revenue Agency (CRA) has been steadily moving toward digital communication. As of July 2025, that shift is accelerating. CRA has been notifying affected individuals by way of: Although there is no current…
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Canadian Stocks vs. Real Estate – Which Has Been the Better Investment?
By Daniel Sitar on 11 Sep, 2025
A recent article in The Globe and Mail got me thinking about a longstanding debate – is it better to invest in stocks or real estate? Of course, many Canadians own both and have built wealth through a combination of their homes and…
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5 Ways to Make Your Executor’s Job Easier
By Debbie Saleem on 18 Aug, 2025
Let’s be honest – no one wants to think about dying. But if you’ve taken the time to write a will and name an executor, you’re already ahead of the curve. But naming someone to carry out your wishes is just the first step. The…
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The Impact of Behavioral Finance on Financial Planning
By Bryn Hamilton on 09 Jul, 2025
Understanding how behavioral finance impacts financial planning is crucial for Canadians aiming to achieve their financial goals. Behavioral finance examines the psychological influences and biases that affect investors’…
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Financial Shortcuts: Convenient but Often Incorrect
By Christian White on 17 Jun, 2025
In the world of personal finance, rules of thumb are everywhere. They’re easy to remember, simple to apply, and often feel intuitively right. But that’s exactly the problem. These shortcuts appeal to our cognitive biases,…
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Are You a Spender or a Saver?
By Nick Hearne on 15 May, 2025
We often think our financial habits are shaped over time, through experience, education, or perhaps trial and error. But a compelling study from the University of Michigan suggests that our instincts around money may begin far earlier…
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Stay Focused
By Bryson Milley on 14 Apr, 2025
Appropriate phrases for the current global financial situation as created by President Trump: “It’s a riddle wrapped in a mystery inside an enigma!” – Winston Churchill “The dumbest trade war in history!” – The Wall…
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Should I get mortgage insurance through the bank?
By Cecilia Tsang on 13 Mar, 2025
This is a question that I am asked often. Mortgage insurance through the bank is often activated, sometimes unknowingly, or without much thought or understanding, when signing the many pages of mortgage paperwork. This is because the…
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Maximizing Returns: The Asset Location Advantage
By Ryan Bacchus on 13 Feb, 2025
The term “asset allocation” is one you may have heard if you’ve participated in financial planning or long-term investing. It’s a term that gets thrown around a lot in the investment world. Simply put, this is how investors…
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Volatility: An Accumulator’s Best Friend
By Kayla Schmiler on 15 Jan, 2025
In the world of investing, volatility often gets a bad reputation. For many, it conjures up images of erratic price swings and uncertainty. However, for the disciplined long-term accumulator of wealth, volatility is not an enemy to…
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What is Anything Worth?
By Alain Quennec on 16 Dec, 2024
As of this writing in mid-December 2024, Tesla is the most valuable automotive company in the world. As a matter of fact, with a market value of $1.44 trillion USD, it’s worth more than the entire remainder of the world’s car…
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The Most Important Investment Milestone For Young Investors
By Shaun Sun on 15 Nov, 2024
Markets have been doing well this year and many investors have been rewarded with strong returns for their patience, sticking to their long-term investment plans coming out of 2022 & 2023.
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Trust Reporting Rules – What You Need to Know
By Mark Neufeld on 16 Oct, 2024
What a year it has been for trust reporting rules. There have been many twists and turns in this ongoing saga.
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Why Responsible Investors Embrace ESG Portfolios
By Linson Chen on 13 Sep, 2024
More investors are looking to align their financial goals with their personal values. Responsible investing is the integration of Environmental, Social and Governance (ESG) criteria into investment decisions. Here are some of the…
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More People Qualify for The Disability Tax Credit Than You Think
By Jon Knutson on 14 Aug, 2024
Over the years, we have come across many clients who were unaware that they, or their loved ones, might qualify for the disability tax credit (DTC).
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The Short End of the Warranty
By John Hale on 17 Jul, 2024
My wife and I recently ran into a common problem faced by many homeowners. When we went to turn on the hot water the other morning, to our dismay, the hot water tank had failed sometime during the night…
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Travelling with a pre-existing condition
By Cory Hill on 19 Jun, 2024
The irony of getting older is that we finally have the time and financial wherewithal to travel at our leisure but, for many of us, we have “pre-existing” conditions that can make securing quality travel medical insurance a…
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The Home Buyers’ Plan (HBP)
By Chris Eynon on 15 May, 2024
The Home Buyers’ Plan (HBP) offers help to those striving for homeownership, enabling tax-free withdrawals from Registered Retirement Savings Plans (RRSPs) to fund a down payment.
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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 A. 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…
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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?
Posted 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 01 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 12 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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