With interest rates continuing to rise, and housing markets beginning to cool, if you’re considering a home purchase anytime soon, it’s a good idea to revisit some mortgage fundamentals to ensure you’re in the driver’s seat when it’s time to put in an offer. Pre-approvals, home appraisals and financing conditions are three key components to a successful home purchase. So how do they all fit together?

Our primary goal is to ensure Electronic Funds Transfers (EFTs) and Wire orders are initiated, executed, and approved in a secure manner while meeting the needs of our clients. We want to ensure that you receive your fund requests when you need it; for example, buying a new car or any other purchase.

Please be reminded of the following process to ensure no delays are encountered for funding requests.

Different people will choose a different answer from the above two choices. Personally, I believe we are long overdue for some Economic Reality. Why is that?

A common misconception amongst investors is that investments in bonds cannot decline.

Family businesses are the backbone of our economy, and their future success is critical. Over the years, many successful family business owners have told us that they have not completed a proper succession and estate plan. 

Our primary goal is to ensure Electronic Funds Transfers (EFTs) and Wire orders are initiated, executed, and approved in a secure manner while meeting the needs of our clients.

After a very comforting run up in values post covid March 2020, it’s been a tough start to the year that has left the American S&P 500 stock index (“S&P 500”) now in official bear market territory. Our home-based Toronto Stock Exchange (“TSX”) has followed a similar path for the…

Now is the time to plan for tax savings in 2022 and beyond. Combining proven and prudent tax planning with sound investment management can make a big difference to your wealth. Here are five lesser-known tax strategies to help you do just that.

When preparing an asset allocation strategy for your specific objectives, it is important to not let the allure of high returns in “excess” of the benchmark lure you into a portfolio not suited for your risk tolerance. Over the course of your lifetime, your risk aversion in all aspects will continually change, but this is especially true as you near retirement.

As the focus on RRSP season is over, we turn our attention to the current tax season. It is important to note that personal tax returns must be filed by April 30th. We kindly ask that you provide us all documentation at least two weeks prior to the appropriate deadline.

Your company is an operating company or an investment holding company. It has retained profits or surplus cash that is not paid to you, since you do not need the income. Your corporation invests the cash in a balanced portfolio including a traditional fixed income component, which you earmark for your heirs or favourite charity. You want a financial planning strategy that will reduce taxes annually and increase the funds available when you die.

The Bank of Canada has been signaling for a while now that they will respond to inflation by raising interest rates. Sure enough, on March 2nd they announced a hike in the overnight rate by 0.25%. Here are answers to the most commonly asked questions.