What is the Canada Disability Benefit? Launched in June 2025, the Canada Disability Benefit (CDB) is a new federal program providing monthly financial support to working-age Canadians living with disabilities. The benefit aims to reduce poverty and provide greater financial security for those who may face additional living costs related to their disability. Who is […]

The rhetorical tautology, “Predictions are difficult, especially about the future” may feel particularly relevant today.1 The start of 2025 has been marked by low visibility, with two events casting a cloud of uncertainty over investor sentiment: the launch of DeepSeek’s AI platform – claiming to be a significantly lower-cost model – and U.S. President Trump […]

“The desire to perform all the time is usually a barrier to doing well in the long run.”- Howard Marks With slower economic growth, an evolving tariff situation and rising geopolitical uncertainty, many investors may be looking at ways to take a more defensive stance in their portfolios. A Flight to Safety: The Increasing Attention […]

Is the golden age of working from home (WFH) nearing its end? Last fall, the federal government mandated that employees return to the office (WFO) three days a week. Major corporations like Amazon and Dell have gone further, requiring full-time in-office work. The upside? This shift may help revitalize downtown areas that have struggled with […]

When the U.S. launched a trade war in January, many were quick to warn of a possible recession. With Canada’s economy already growing at a sluggish pace – GDP growth is projected at just 1.8 percent for 2025 – the Bank of Canada estimated that a blanket 25 percent tariff would reduce annual GDP growth […]

It’s RRSP season once again! Over the decades, the federal government has eliminated many income-splitting opportunities available to taxpayers. However, if you have a spouse/common-law partner, don’t overlook the spousal Registered Retirement Savings Plan (RRSP) — a valuable opportunity to split income at retirement if your spouse will be in a lower tax bracket at […]

It has been termed “the great renewal”. A significant number of Canadian mortgages are coming up for renewal. By one account, around 2.2 million mortgages or 45 percent of all outstanding mortgages, are set to face higher interest rates this year and next.1 Even though the Bank of Canada cut interest rates in 2024 as inflation continues […]

If you are looking for a financial resolution to start the year, why not make estate planning a priority? Every so often we hear stories about the consequences of not having a valid will. To die without one, known as dying “intestate”, can have significant and perhaps unintended effects as assets will be distributed according […]

The beginning of anew year is an opportune time to revisit certain aspects of your wealth management. If you don’t know where to start, here are a handful of ideas. For more information, please call the office. Contribute to the RRSP. The Registered Retirement Savings Plan (RRSP) deadline for the 2024 tax year is March 3, […]