Blog
When should you take your CPP benefits? (and other details)
Like most Canadians, you’ve probably contributed to the Canadian Pension Plan (CPP) for your whole working life. And now that you’re getting closer to retirement age (whatever that means for you) and planning for your future, you want...
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Saving for a better future with a Registered Disability Savings Plan
When you or your child is dealing with life-altering disabilities, the future is uncertain. Careers can become question marks with no firm answer, which makes financial security very difficult, especially later in life when parents or...
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How cost and income splitting benefits couples in retirement
For most of our lives, tax reduction rests on smart savings. We invest money into RRSPs and TFSAs to bypass the tax man so we can fund our future retirement. But during retirement, those options are no longer available to us.Instead of...
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Happy Employees Don’t Quit: Smart Strategies for Retention, Engagement, and Wellbeing in Canadian Wo
Keeping good people around isn’t easy. For small and medium-sized businesses across Canada, hanging onto top talent means way more than offering a decent paycheque. It’s about creating a place where people feel valued, supported, and...
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HSA vs. WSA: Why Smart Employers Are Offering Both
The New Standard in Employee BenefitsAs an HR manager or business owner, you're constantly balancing cost and care. On one hand, you want to offer competitive employee benefits that attract and retain top talent. On the other, you need...
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What is the difference between an emergency fund and a sinking fund?
The foundation of financial planning is savings. When you save, you secure your financial future and make it easier to fund your dreams.Often when we talk of savings, we focus on retirement. But, there’s so much more to savings than...
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Lifestyle Inflation
Let’s take a moment and rewind – back before you started your career, your relationship or your family. Let’s go back to graduation, university or moving out. Back when you ate ramen, lived with roommates and drove a car older than you...
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Plan for life, not retirement
When you’ve been planning for retirement for 20, 30 or even 40 years, it can get very intellectual. Over decades of focusing on abstract goals, retirement savings often becomes more about hitting certain numbers than staying open to...
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Top Employee Benefits Trends in Canada for 2025
Top Employee Benefits Trends in Canada for 2025Let’s be real—just offering a pay cheque isn’t cutting it anymore. If you’re running a business or building your team, you probably want to stand out, keep your people happy, and create a...
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Leave a (tax) wise legacy
There comes a point when more income stops making your retirement better. Instead, it only brings problems, namely, a heavier tax burden. If you’re in this camp, you may be looking at your monthly CPP payments and wondering, ‘Why...
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Manage market instability without losing sleep (or putting off retirement)
Saving for retirement is a little like sailing: when the sun is out and the sea calm, everything seems great, but when the wind comes up and the sea’s volatile, it becomes downright frightening.And there have been some volatile markets...
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The 4 Ds of tax planning
There’s a reason almost every strip mall and professional building has an accountant or tax professional. Taxes are hard. Even Einstein had problems with them and he was a genius.The hardest thing in the world to understand is the...
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