In today’s investing world, the range of low-cost options has expanded significantly, alongside access to new investing platforms, giving investors more choices than ever before

FHSA Carryforward Rules — Not All Registered Plans Are the Same

•

November 29, 2024

When the FHSA is opened, the account holder is able to contribute $8,000 in annual participation room. Any unused amounts can be carried forward to the following year, but only to a maximum of $8,000 and subject to a lifetime limit of $40,000. This differs from the Tax-Free Savings Account (TFSA) and Registered Retirement Savings Plan (RRSP) where unused contribution room is carried forward indefinitely (or until age 71 for the RRSP) — there is no limit.

Estate Preparation for Dementia

•

November 27, 2024

The deterioration of the brain, however, robs people of the latter. For that individual, coming to terms with the reality, confusion and memory loss must be terrifying.

Equity Market Gains: Perspectives on Concentration & Valuations

•

November 20, 2024

With volatility returning to markets over the summer, a renewed sense of uncertainty reemerged. There has been much discussion centered around the mega-tech stocks, with some suggesting their relative concentration and lofty valuations pose risks to future equity market gains.

Empowering Future Generations Through Financial Literacy

•

November 14, 2024

In Canada, November is recognized as Financial Literacy Month, making it an ideal time to dive deeper into what you know and where you can improve.

Are You Concerned About Running Out of Money in Retirement?

•

November 5, 2024

This article by Yahoo Finance dives into the root of these fears, discussing the economic pressures that are shaping retirement planning in Canada.

The Largest Wealth Transfer in History is Here

•

October 30, 2024

The boomers are now commonly referred to as the “luckiest generation” due to their significant leap in prosperity, benefitting from substantial price growth in the housing and financial markets. Consider that the average price of a Canadian home has risen about 800 percent since 1981, when most boomers were in their 20s and 30s — the prime years for household formation

Tapping the Registered Education Savings Plan (RESP)

•

October 23, 2024

Do you have a child headed to college or university? Congratulations! Now is the time to tap into the fruits of your labour: the RESP.

Delayed Landings

•

October 11, 2024

We find ourselves in a period where sentiment could be aptly described by Charles Dickens’ classic line: “It was the best of times, it was the worst of times...” Today’s narratives are seemingly contrasting. On one side, we are living in an era of unprecedented technological advancements and some of the highest standards of living in history, marked by improved quality of life, increasing wealth positions and one of the highest life expectancies.

U.S. Election Fever: Investing Perspectives

•

September 27, 2024

U.S. presidential election fever is in full force! Election years are often fueled by uncertainty about future policies, regulatory shifts and their potential impact on economies — and this year’s U.S. election has been no exception.

Oh, Canada! We’ve Got a Productivity Problem

•

September 24, 2024

“Why isn’t Canada an economic giant?” This was the headline of a Financial Times article highlighting our “vast potential” but suggesting we “underperform on the global stage.

2024 U.S. Election and The Potential Impact on Our Portfolios

•

September 9, 2024

There is no doubt, however, that the current campaign is anxiety inducing for investors. Canada may be gearing up for its own divisive political battle, but its noisy neighbour is a behemoth that dominates news cycles. And just like a good horror film, these stories are full of jumps and nerve-shredding moments. It’s only human, therefore, to get caught up in these feelings.

Generational Wealth Planning: Bringing Kids to the Table

•

August 28, 2024

The basic lessons haven’t changed: Imparting good saving and prudent spending behaviours, helping children to set and achieve goals and teaching the virtues of investing and growing wealth. However, in this modern era of connectivity, young people face new challenges

Why Have Central Banks Been Slow to Cut Rates?

•

August 22, 2024

In the U.S., inflation has been more persistent in a relatively strong economy. This contrasts with Canada, where economic activity has been lacklustre and there have been greater indications that inflation is cooling

Your Home Is Not a Retirement Plan

•

August 6, 2024

Summer is the season for home sales! With real estate prices continuing their rise, it may be tempting to see your home’s value as a potential source of retirement income. However, when supporting clients in planning for retirement, it’s generally not recommended to factor in a home’s value as a primary part of that plan.

Increasing Capital Gains Inclusion Rate: Planning for a Cabin

•

July 30, 2024

It is summer once again — and cottage and cabin season is well underway. However, this year has brought new potential challenges for cottage and cabin owners.

Spring Recap: Budget 2024 — Five Things Investors Should Know

•

July 23, 2024

On April 16, 2024, the federal government released its budget, with a focus on home affordability and reducing the cost of living to “strengthen the middle class.”

Planning Ahead: A Rising Capital Gains Inclusion Rate

•

July 11, 2024

It has been over 20 years since we’ve seen changes to the capital gains tax. Since late 2000, 50 percent (1/2) of realized capital gains have been subject to tax. As of June 25, 2024, the inclusion rate increases to 66.67 percent (2/3) for corporations and trusts, and on the portion of capital gains realized in the year that exceed $250,000 for individuals.

Women & Wealth: Navigating Shared Circumstances

•

June 27, 2024

There is no “typical” woman investor. However, many women share certain circumstances that can present challenges to wealth accumulation.

Is Your Day-to-Day Living Impaired? The DTC May Offer Support

•

June 18, 2024

While there has been a substantial rise in the number of Canadians living with a disability, many are not aware that loved ones may qualify for the Disability Tax Credit (DTC).

Avoid These Six Common Investing Errors

•

June 11, 2024

While we can learn much about successful investing by studying the best investors, it can also help to learn from our mistakes.

Growing Scams: Protect Yourself & Others From Phishing

•

May 28, 2024

Almost all of us have received email scams; increasingly, many clients are being targeted via mobile phones or social media.

You Asked: Is the FHSA or HBP Better for (Grand)Kids?

•

May 22, 2024

As we enter the home-buying season, some clients have asked which plan is better for (grand)kids to purchase a first home: the First-Home Savings Account (FHSA) or Home Buyers’ Plan (HBP).

Canada & U.S. Economic Divergence: The Case for Diversification

•

May 15, 2024

While the economies of Canada and the U.S. share many similarities, why has the U.S. recently posted solid economic growth while Canada has been relatively sluggish? This divergence may be attributed to a variety of factors.

Digesting the Proposed Capital Gains Tax Hike

•

May 2, 2024

History, ultimately, will be the judge of the recently proposed capital gains tax hike. The Government argues the extra billions of dollars generated will be invested in programs that give people a fairer chance “to build a good, middle-class life”, but critics say this will deter the risk-taking capital that stimulates economic growth and penalize hard-working business owners and individuals.

Growth Will Persist

•

May 1, 2024

A little over six years ago, renowned investor Warren Buffett made a bold prediction: The Dow Jones Industrial Average (Dow) would reach the milestone of one million within 100 years.

Beware of the TFSA ‘Danger Zone’

•

April 23, 2024

The first four months of the year have been referred to as a ‘danger zone’ for those relying on TFSA contribution room data posted on their CRA account. If you’ve based your TFSA contributions on “My Account” information, be aware that it may not be accurate.

Are You Holding a “Bare Trust”?

•

April 19, 2024

Are you holding assets in an arrangement where there is a separate legal and beneficial owner? If so, you may be holding a “bare trust” arrangement and subject to new reporting rules.

The Impact of Taxes on Investments Can Be Significant Over Time

•

April 10, 2024

This is the season when many of us are busy preparing income tax returns, perhaps a good time to reflect on the taxes we pay in investing. Just as investments benefit from compounded growth over time, the tax on income and gains can accumulate to become significant.

Tax Season is Here Again: Here are Some Reminders

•

April 1, 2024

As we deal with tax returns, this may be a reminder that we should be doing all we can to minimize taxes. Here are some actions to consider...

Time: The Investor’s Great Ally

•

March 21, 2024

As we look ahead to a new year, don’t overlook the impact of compounding and time on investing success.

Estate Planning: Your Digital Assets May Have More Value Than You Think

•

March 12, 2024

Even if you’re not a significant technology user, your digital footprint may be larger than you think. This may be an important consideration in estate planning.

The Value of Advice: Finding the Active-Passive Balance

•

February 13, 2024

For the most important aspects of your life, there is typically a half a dozen things that matter. Keeping healthy means daily exercise, eating well, a good night sleep, finding me time, positive personal relationships, and moderated drinking. Investing and accumulating wealth is no different, there are only a few things that really matter...

RRSPs & RRIFs: Be Aware of Taxable Withdrawals

•

February 5, 2024

As the cost of living has risen substantially over the past couple of years, some may consider accessing funds from the Registered Retirement Savings Plan (RRSP) or Registered Retirement Income Fund (RRIF). Yet, early withdrawals may be costly.

Tom Aldridge Joins Precision Wealth Management

•

February 1, 2024

We are thrilled to announce that Tom Aldridge has joined our team as a Wealth Advisor and Insurance Specialist.‍

CPP/QPP Reforms: For 2024, Expect to Pay More

•

January 31, 2024

If you earn employment income, you may have noticed more of your paycheque going towards CPP/QPP contributions.

Looking Back, Looking Forward: Keeping Perspective

•

January 22, 2024

According to The Economist, consumer sentiment is at some of the lowest levels in decades. Yet, this collective feeling does not accurately reflect the actual economic data. Since the pandemic, there’s been a growing divergence between sentiment and economic performance

How to Beat Blue Monday

•

January 12, 2024

When it comes to personal finances, January can be a month when the festive adrenaline eases and your own economic reality hits home. The cure lies in forward-thinking, positive mindset and goal setting.

For 2024: Consider Insurance as Part of a Broader Investment Strategy

•

January 8, 2024

As a new year begins, many of us refocus our financial goals. This may be an opportune time to assess insurance needs to help protect loved ones. For high-net-worth (HNW) investors, consider the opportunity to use life insurance as part of a broader investment strategy.

Reminders for the New Year: The Investing Road is a Long One

•

January 3, 2024

As we move into another year, what’s your investment focus? Given the volatility of 2023, it can take discipline to stay focused on our objectives, but here are three perspectives...

Lessons from Generational Resilience

•

December 21, 2023

One of our modern-day challenges is that technology has ushered in an era of instant communication and connectivity that seems to amplify awareness and sensitivity. There is never a shortage of negative news and today is no exception.

Maximizing Your Wealth: How to Keep Your Assets Working Hard for You

•

December 18, 2023

For those of us who manage wealth on a regular basis, it continues to be surprising to see the growing number of assets that are forgotten or just not optimally put to work.

Back to Basics: The Importance of Having an Investment Plan

•

December 5, 2023

Earlier this year, the Wall Street Journal profiled investors who used an investment thesis of “buy and hope”— a fortuitous approach during bull market times — only to experience an awakening after the markets changed their course in 2022.

Looking Forward: Growth Will Continue

•

November 29, 2023

As the economy begins to show signs of slowing, we may need a reminder to focus on the positives. Interest rates are steadying, and inflation is being kept under the watchful eyes of the central banks.

Year-End Tax Planning: Don’t Forget the Carry-Back & Forward Rules

•

November 22, 2023

As we approach year end, this is often a time when tax strategies are top of mind. Don’t forget: the tax rules allow you to carry back or forward certain tax credits or deductions not used in the current year.

Invest or Tackle Debt with New Money?

•

November 6, 2023

You have just come into some new money from the sale of a business, an inheritance or just a big commission check. Regardless of the scenario, new money is the seed of your future, and you find yourself pondering what financial field to plant it in.

Preparing the Next Generation for Wealth

•

October 27, 2023

It sounds counterintuitive but words rather than numbers are likely to dictate the success of your family’s transfer of wealth. Most people turn to a financial advisor simply for a tax-efficient estate plan to ensure their heirs inherit as much as possible. But what good is that if the next generation are ill-equipped to deal with it, either because the money comes as a surprise or because they’re too entitled to handle such a windfall?

Check Your Credit Score 

•

October 23, 2023

When was the last time you checked your credit score or credit history? It may be important for young and older people alike, for benefits beyond just understanding your credit position.

Winning the Longevity Lottery 

In 1921, the average life expectancy was 57 years; today it is around 84. Reaching the esteemed 100-year milestone is no longer a rarity.

Warren Buffett Speaks: His “Secret Sauce” & More...

What’s in Warren Buffett’s “Secret Sauce?” In his latest shareholder letter, the Oracle of Omaha shares one of his key ingredients for success: dividend-paying stocks. 

The FHSA: The High-Net-Worth (HNW) Investor Opportunity 

Beyond its benefits in supporting the purchase of a first home, the First Home Savings Account (FHSA) offers a compelling opportunity for investors to transfer wealth to the next generation or potentially increase their retirement nest egg — but planning ahead is important.

The Start of a Revolution? The Age of Artificial Intelligence Has Arrived 

In the summer of 2022, technology pioneer Bill Gates met with the team that developed the algorithm ChatGPT and left them with a challenge: “Train an artificial intelligence to pass an Advanced Placement biology exam...if you can do that, you’ll have made a true breakthrough.”

Budget 2023 Recap...& The Canada Revenue Agency is Watching 

On March 28, 2023, the federal government delivered its budget, with a focus on building a “stronger, more sustainable, and more secure Canadian economy,” highlighting three areas: affordability to address higher inflation, public health/dental care and the green economy.

The Housing Market: Will It Impact Your Retirement Planning? 

For much of the past year, we’ve experienced a period of declining housing prices. One reason has been the rapid rise in interest rates. Historically low rates made the cost of holding a mortgage affordable, but rising rates have increased the cost of borrowing substantially.

A Reminder: The TFSA is a Valuable Tool for Every Stage of Life

Taking a look at your recent CRA Notice of Assessment for your 2022 taxes, do you have available TFSA contribution room?

Are We Nearing the End of the Rate Cycle?

Talk of interest rate increases has seemed unending: we are living through one of the most aggressive tightening cycles in 40 years.

Generational Planning: Financial Lessons from the Summer Job 

While many parents may breathe a sigh of relief that a summer job will keep children from being glued to their screens, this is an opportune time for young folks to learn how to navigate life.

The Principal Residence Exemption: Your Questions Answered 

Summer is often one of the busiest seasons for residential home sales. With many investors owning multiple properties, thinking ahead to their eventual disposition may be worthwhile.

"Take Five, Tell Two” — Protecting Yourself & Others Against Scams

As the number of scams continues to grow, fraud has become increasingly sophisticated. Phishing attacks, where deceptive messages fool victims into providing sensitive information, are now using multiple channels concurrently to target victims.

Estate Planning: I Don’t Want to Act as Estate Executor

It can be an honour to be named as estate executor as it signifies a person’s trust that you will carry out their wishes as intended. Sometimes individuals accept the position without fully understanding the duties or responsibilities that come with the role.

Don’t Overlook the Impact of Taxes & Inflation on Investment Returns

When we think about our investments, consider the impact of taxes on returns. And, as inflation continues to be at above-average levels, we should also not overlook its effect on returns.

Your Money & Your Heirs: What’s Your Plan for Wealth Longevity?

As part of your wealth planning, have you considered your wealth’s longevity? Many of us have heard of the “shirtsleeves curse”: Family wealth is often built up and lost within three generations.

Saving Tax is a Year-Round Exercise: Don’t Overlook Income Splitting

This is just one reason why tax planning remains important: Saving tax is a year-round exercise. If you have a spouse/common-law partner (“spouse”) or adult kids, don’t overlook the opportunity to split income by shifting taxable income from a higher-income earner to a lower-income earner to save taxes.

Personal Finance Tips for Surviving Tough Economic Times

Are we in for a “hard” or “soft landing”...or “no landing” at all? While we can never control the timing of more challenging economic times, there may be ways to better survive...and even thrive.

Should I Delay My OAS Benefits?

While the decision of when to take OAS benefits depends on many factors, including your income requirements, health status, life expectancy and tax planning, if you are in good health and have the opportunity to defer the start of OAS, what is the break-even age when deferring starts to pay off?

A Lifetime of Contributions

•

July 4, 2023

Whatever your inspiration to start investing, whether it is a book, lunch with a friend or an introduction to a financial advisor nothing happens without your first contribution.

Looking Beyond Today

It has been said that change is the only constant, and the investing world is no exception. For more than a year, we’ve seen the effects of a rapid change in inflation and interest rates on the financial markets.

Educating (Grand)Kids: The FHSA — A Potentially Valuable Tool

With the cost of home ownership becoming increasingly out of reach for many younger folks, our clients often have questions about the opportunity to assist (grand)children with buying a home or condo.

Time is Your Quiet Investing Partner

•

June 19, 2023

Time is your greatest investing partner, but its value can be overlooked. Passive and quiet, this partner won’t bang on your door and say it’s time to get started, that part is up to you.

Fixed Income: Where to From Here?

After a difficult year in 2022, some investors have been asking: what lies ahead for the fixed-income market?

During Volatile Times: Perspectives on the Equity Markets

History shows that when it comes to investing in the stock market, the longer your ability to focus, the better. Why? The variability of equity market performance smooths out substantially as the investing period grows.

For 2023: A Little More Happiness?

As we enter another year, we may all benefit from a bit more happiness. Studies continue to show that cultivating an optimistic view leads to better outcomes, and this can extend into our financial lives.

The Taxing Issue of Succession Planning

•

May 5, 2023

70% of families report failure when it comes to intergenerational wealth transfers. Put another way, three out of every 10 transfers fail. It’s a core part of many people’s financial plan and yet 67% cite it as their biggest concern.

Portfolio Withdrawals: Why Sequencing of Returns Matters

•

April 20, 2023

The sequence of returns — the order in which markets rise and fall and the associated returns — can make a difference when it comes to a retirement withdrawal strategy.

Rising Rates and the Dilemma of Duration

•

April 3, 2023

For investors, the prevailing interest rate is like gravity. A constant and fundamental force on all things in capital markets. Understanding the basics of PV and the yield curve will help us be more educated investors.

Have You Been Appointed Estate Executor? Five Mistakes to Avoid

•

March 24, 2023

Administering an estate can be a time consuming and complex task, often occurring during an emotionally difficult time.

Reducing Demands on Portfolios During More Difficult Times

•

March 15, 2023

During more difficult market times, we often suggest the importance of reducing withdrawals to put less stress on investment portfolios.

The Importance of Holding On

•

October 16, 2022

It has been difficult to find much market commentary that suggests positive developments in the financial and economic markets over recent times. The reasons are many: high and persistent inflation, more aggressive tightening policies by central banks and the prospect of recession.

Inflation & Interest Rates: Has Inflation Peaked?

•

October 12, 2022

We are in one of the most aggressive tightening cycles in more than 40 years. Are higher rates helping to curb inflation?

Keep Calm and Plan for Volatility

•

October 4, 2022

Keeping your nerve when you see minus signs on your portfolio statement is not easy. Throw in a global pandemic, the rising cost of living, interest rate hikes, and news of political division, and it’s little wonder many investors want to exit the market and hunker down until the good times return.

Federal Budget 2022 Recap: Few Significant Changes for Investors

•

September 21, 2022

This past spring, the federal government delivered its budget with few significant changes for investors: no changes to the capital gains inclusion rate or federal income tax rates. Many initiatives address the hot housing market.

During Volatile Times: The Continuing Case for Dividends

•

September 7, 2022

The long-term case for dividend-paying equities continues to be compelling. During volatile markets, such as we are experiencing today, dividends can play a role in reducing overall portfolio risk and volatility. Over the longer-term, increasing dividend payouts and the potential for compounded growth can make dividends an integral part of an investment portfolio.

During Volatile Times: The Case for Goals-Based Investing

•

August 23, 2022

Goals-based investing differs from traditional investing programs that generally allocate assets and measure progress based on market benchmarks. Instead, it focuses on the investor by mapping savings and investments to unique goals, which may involve specific time horizons and risk profiles, while measuring progress towards achieving these goals.

The Worry of Recession? Reasons to Keep Perspective

•

August 8, 2022

With slowing global growth, persistently high inflation rates and as the central banks have taken a more aggressive position to combat inflation by raising interest rates faster than anticipated, the media has been preoccupied with evoking fear that a recession is imminent.

You Asked: Transferring Family Property to the Next Generation

•

August 4, 2022

In working with clients, we are often asked questions about cottage/cabin succession planning. One question that is commonly asked is: Can I sell the cottage to my kids for $1, or a value substantially lower than its fair market value (FMV)?

Inflation … What Does it Mean?

•

July 21, 2022

Filling up your gas tank in recent months is like seeing the bill for your toddler’s birthday party – “how much?” For a smooth family life, however, both must be paid.

Six Investment Myths Busted

•

July 7, 2022

You don’t have to look too far away from the big screen to see real-life examples of people whose actions have perpetuated the link between the wealth industry, untrustworthy characters and get-rich-quick trades.

Wealth Transfer: Preparing the Next Generation

•

June 28, 2022

Before the younger generation rush for an armchair and cigar, the likelihood is a large number of these wealth transfers will fail because of a lack of financial planning, preparation and proper execution

Managing Money in a Rising Interest Rate Environment

•

March 17, 2022

Canada’s benchmark interest rate hit an all-time high of 16% in 1991 – and here investors are in 2022, freaking out over projections it’ll touch 1% by June. But there’s a reason for the current unease.

Should I Stay, or Should I Go?

•

March 11, 2022

Between the pandemic, inflation, and geopolitical tensions, market uncertainty reigns right now. You might have heard some disturbing words, like shares “plunging”, prices “soaring”, and investment “volatility”. Many people, therefore, are asking themselves: should I take money out of the market and get back in when skies are clearer?

Keep Time on Your Side

•

March 4, 2022

Being invested can be one of the best ways to grow wealth over the longer term. Yet, after an extended period of gains, some investors may feel hesitant to put money to work in equity markets. While volatility was muted for most of 2021, let’s not forget that it is a normal part of equity markets. It is the price paid for the upside potential.

The Timeless Wisdom of Warren Buffett

•

February 18, 2022

We may all benefit from some investing perspective as we experience increased volatility and rapid decreases across most equity markets. Who better to draw on for that wisdom than one of the most successful investors of our time, Warren Buffett.

Avoid These Five RRSP Pitfalls

•

February 3, 2022

It is Registered Retirement Savings Plan (RRSP) season once again! Beyond the importance of contributing to the RRSP to grow funds for retirement, avoiding certain practices can also help to save tax or create a bigger nest egg for the future.

RRSP Season Reminders

•

January 27, 2022

The deadline RRSP contributions for the 2021 tax year is Tuesday March 1, 2022.

TFSA: Do You Have Unused Contribution Room?

•

January 27, 2022

The 2022 TFSA dollar limit is $6,000. This brings the total lifetime contribution limit to $81,500 for those eligible. Do you have an unused contribution room?

Quintessence Wealth (Q Wealth) is a partnership that is registered as a portfolio manager, exempt market dealer and investment fund manager. The portfolio manager registration allows Q Wealth to provide investment advice to its clients. The exempt market dealer registration allows Q Wealth to engage in trading activity. These services are provided by Q Wealth through registered advising representatives and dealing representatives, respectively.

Q Wealth is a partnership that is owned by its partners, including Precision Wealth Management. As a client of Q Wealth, you may receive services from both Q Wealth and Precision Wealth Management. Note that individuals from Precision Wealth Management will only provide investment advice and trading advice if they are registered as advising representatives and dealing representatives of Q Wealth, and in providing such services, they will be doing so on behalf of Q Wealth only. Precision Wealth Management may however provide wealth management services such as financial planning, estate and retirement planning, insurance, group benefits and others.

Q Wealth Partners is a registered trade name of Quintessence Wealth, a registered Portfolio Manager in Alberta, British Columbia, Manitoba, New Brunswick, Newfoundland and Labrador, Nova Scotia, Ontario, Prince Edward Island, Quebec, and Saskatchewan, an Investment Fund Manager in Newfoundland and Labrador, Ontario, and Quebec, and an Exempt Market Dealer in Alberta, British Columbia, Manitoba, New Brunswick, Newfoundland and Labrador, Nova Scotia, Ontario, Quebec, and Saskatchewan. The Ontario Securities Commission (OSC) is the principal regulator for Quintessence Wealth. Please visit www.qwealth.com for more information.

The Live Wealthy Blog

Perspectives on the Value of Advice

FHSA Carryforward Rules — Not All Registered Plans Are the Same

Estate Preparation for Dementia

Equity Market Gains: Perspectives on Concentration & Valuations

Empowering Future Generations Through Financial Literacy

Are You Concerned About Running Out of Money in Retirement?

The Largest Wealth Transfer in History is Here

Tapping the Registered Education Savings Plan (RESP)

Delayed Landings

U.S. Election Fever: Investing Perspectives

Oh, Canada! We’ve Got a Productivity Problem

2024 U.S. Election and The Potential Impact on Our Portfolios

Generational Wealth Planning: Bringing Kids to the Table

Why Have Central Banks Been Slow to Cut Rates?

Your Home Is Not a Retirement Plan

Increasing Capital Gains Inclusion Rate: Planning for a Cabin

Spring Recap: Budget 2024 — Five Things Investors Should Know

Planning Ahead: A Rising Capital Gains Inclusion Rate

Women & Wealth: Navigating Shared Circumstances

Is Your Day-to-Day Living Impaired? The DTC May Offer Support

Avoid These Six Common Investing Errors

Growing Scams: Protect Yourself & Others From Phishing

You Asked: Is the FHSA or HBP Better for (Grand)Kids?

Canada & U.S. Economic Divergence: The Case for Diversification

Digesting the Proposed Capital Gains Tax Hike

Growth Will Persist

Beware of the TFSA ‘Danger Zone’

Are You Holding a “Bare Trust”?

The Impact of Taxes on Investments Can Be Significant Over Time

Tax Season is Here Again: Here are Some Reminders

Time: The Investor’s Great Ally

Estate Planning: Your Digital Assets May Have More Value Than You Think

The Value of Advice: Finding the Active-Passive Balance

RRSPs & RRIFs: Be Aware of Taxable Withdrawals

Tom Aldridge Joins Precision Wealth Management

CPP/QPP Reforms: For 2024, Expect to Pay More

Looking Back, Looking Forward: Keeping Perspective

How to Beat Blue Monday

For 2024: Consider Insurance as Part of a Broader Investment Strategy

Reminders for the New Year: The Investing Road is a Long One

Lessons from Generational Resilience

Maximizing Your Wealth: How to Keep Your Assets Working Hard for You

Back to Basics: The Importance of Having an Investment Plan

Looking Forward: Growth Will Continue

Year-End Tax Planning: Don’t Forget the Carry-Back & Forward Rules

Invest or Tackle Debt with New Money?

Preparing the Next Generation for Wealth

Check Your Credit Score

Winning the Longevity Lottery

Warren Buffett Speaks: His “Secret Sauce” & More...

The FHSA: The High-Net-Worth (HNW) Investor Opportunity

The Start of a Revolution? The Age of Artificial Intelligence Has Arrived

Budget 2023 Recap...& The Canada Revenue Agency is Watching

The Housing Market: Will It Impact Your Retirement Planning?

A Reminder: The TFSA is a Valuable Tool for Every Stage of Life

Are We Nearing the End of the Rate Cycle?

Generational Planning: Financial Lessons from the Summer Job

The Principal Residence Exemption: Your Questions Answered

"Take Five, Tell Two” — Protecting Yourself & Others Against Scams

Estate Planning: I Don’t Want to Act as Estate Executor

Don’t Overlook the Impact of Taxes & Inflation on Investment Returns

Your Money & Your Heirs: What’s Your Plan for Wealth Longevity?

Saving Tax is a Year-Round Exercise: Don’t Overlook Income Splitting

Personal Finance Tips for Surviving Tough Economic Times

Should I Delay My OAS Benefits?

A Lifetime of Contributions

Looking Beyond Today

Educating (Grand)Kids: The FHSA — A Potentially Valuable Tool

Time is Your Quiet Investing Partner

Fixed Income: Where to From Here?

During Volatile Times: Perspectives on the Equity Markets

For 2023: A Little More Happiness?

The Taxing Issue of Succession Planning

Portfolio Withdrawals: Why Sequencing of Returns Matters

Rising Rates and the Dilemma of Duration

Have You Been Appointed Estate Executor? Five Mistakes to Avoid

Reducing Demands on Portfolios During More Difficult Times

The Importance of Holding On

Inflation & Interest Rates: Has Inflation Peaked?

Check Your Credit Score 

Winning the Longevity Lottery 

The FHSA: The High-Net-Worth (HNW) Investor Opportunity 

The Start of a Revolution? The Age of Artificial Intelligence Has Arrived 

Budget 2023 Recap...& The Canada Revenue Agency is Watching 

The Housing Market: Will It Impact Your Retirement Planning? 

Generational Planning: Financial Lessons from the Summer Job 

The Principal Residence Exemption: Your Questions Answered 