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A closer look at Power of Attorneys vs Joint Accounts
Many Canadians worry about how their finances will continue if they are unable to manage everything themselves due to physical limitations, mental incapacities or because of geographic distance. Power of Attorneys and joint bank accounts are ways to allow others to...
The importance of having a Power of Attorney (POA)
Each day we make hundreds of decisions for ourselves and for the people around us. It is easy to take for granted the intellectual capacity required when making these decisions, especially for in-depth and complex judgements. But what would happen if suddenly we had...
The importance of having a Will
We spend years working to support ourselves and our families so we can enjoy a fulfilling life and build net worth. Every day we think about how to spend, save and invest our money while also working on paying down debt — with the ultimate goals of having...
Ways to make the most of your tax refund
Many people dread the annual tax season because collecting the required documents and completing all the calculations can seem overwhelming. After finalizing their tax return some may be happy to discover they will receive a refund. It may be tempting to think of a...
Preparing your income tax return
Filing your tax return is the responsibility of every Canadian and is a mandatory payment to the government. Tax monies collected fund government programs and services like education, health care and the Canadian Armed Forces. Taxes individuals and businesses pay on...
TFSA or RRSP – which is the right option for you?
As we go through various life stages, what’s most important to us changes and our financial needs evolve. In our early years, we focus on building a solid foundation through education. During our earning years, family, careers and housing are important. As we approach...
Understanding Tax Free Savings Accounts
Making informed decisions about where to invest your hard earned money is central to achieving your financial goals. Many people find it a challenge to understand the features and benefits of various savings options, which makes it tough to decide which option to...
Understanding Registered Retirement Savings Plans
Many of us dream about retiring and enjoying the rewards that come from many years of hard work and everyone has a different idea about what their retirement will look like. No matter what your vision is, planning is essential to ensure you have the funds available to...
Building financial stability – you’re never too young to get started
It’s never too early to learn about managing money, to find the right banking products and to start thinking about strategies to ensure financial success. Many young people feel overwhelmed with where to start and are uncomfortable asking for help. Everyone can...
Some fundamentals for investing and building wealth
We all have lots of questions about our finances as we set goals and put plans in place to achieve our objectives through different phases of life. Two common questions advisors hear are “how do I save” and “how should I be investing my money”. These questions are the...
Navigating RESP withdrawals for education funding
You made saving for your child’s post-secondary education a priority because you understand their education provides the foundation for careers and future success. Now that they have graduated high school, it’s a good time to get answers about Registered Education...