Learn more about securing your financial future.

Getting the Most from Your RESP

Getting the Most from Your RESP

Interested in maximizing the impact of your RESP contributions? Here is a great strategy to consider. First, a bit of a refresher on RESPs: the Registered Education Savings Plan has two significant benefits. First, the availability of government grants. The government...

Making Your Retirement Easy Breezy with RRIFs and LIFs

Making Your Retirement Easy Breezy with RRIFs and LIFs

If you’re nearing your retirement years, you know that the prospect of retirement can be both very exciting and a wee bit anxiety-inducing. Exciting because you finally get to sleep in late, spend more time with your grandkids, volunteer and finally travel…when the...

Changing Gears – From Accumulation to Decumulation

Changing Gears – From Accumulation to Decumulation

You’ve been diligently stashing away some money from every paycheque, contributing to your RRSP and/or TFSA. Perhaps you have a defined contribution pension or, if you’re one of the lucky ones, the defined benefit version. Whatever your process, when it comes to...

Can the CRA Seize Life Insurance Proceeds to Satisfy Tax Debts?

Can the CRA Seize Life Insurance Proceeds to Satisfy Tax Debts?

The words Canada Revenue Agency have the tendency to make any of us a little nervous when it comes to debts owed and tax collection. More so since the Canada Revenue Agency (CRA) maintains certain powers under the Income Tax Act (also known as the “Act”) to collect...

Protecting Your Estate

Protecting Your Estate

You’ve worked hard throughout your lifetime and this hard work has finally paid off. Perhaps you’ve accumulated assets beyond even those that you may need to enjoy a carefree and relaxed retirement that will eventually be passed on to your heirs. However, some of...

Things to Consider When Renewing Your Term Insurance Plan

Things to Consider When Renewing Your Term Insurance Plan

When it comes to choosing life insurance, term insurance offers several benefits including simplicity, predictability and affordability. Lower premiums in the early years allow you to maintain the same standard of living while providing you with crucial income...

The Family Divide: Policy Transfers Amongst Family

The Family Divide: Policy Transfers Amongst Family

As life’s circumstances change, a family may one day want to transfer ownership of personally owned life insurance to another member of the family, such as a spouse or child. With an ownership change, the life insured remains the same, although the new owner may...

How your Life Insurance can Help your Favourite Charity

How your Life Insurance can Help your Favourite Charity

The gifting of life insurance to registered charities has always been a popular method for individuals to fulfill their philanthropic goals, and worth considering when it comes to a charity that is near and dear to your heart. There are basically two options when...

Planning for a Lifetime of Adventure

Planning for a Lifetime of Adventure

Life is an adventure full of twists and turns, and learning to navigate it can take a lifetime. Unfortunately, that’s a little too late. That’s why planning early for your financial future is so important. Where to begin though? Read our article about the hierarchy of...

What to Expect When you Apply for Insurance

What to Expect When you Apply for Insurance

Prepare for the future. Live in the moment. You hear this advice all the time and wonder which makes more sense. Well, the answer to that is easy – if you prepare for the future, it makes living in the moment a lot easier to do. Applying for life insurance is an...

Protecting Your Investments

Protecting Your Investments

So you’re thinking about retirement and have a few questions such as how much capital will you need for your retirement and how much do you need to save each month to meet that goal. All great questions, but don’t forget to ask this one critical question - are my...