Fire Your Broker
When the fog lifts on fees and incentives, progress becomes much easier to see. In every business, including your own financial life, there are only two roles money can play: It either builds value or it drains it. High-performing environments understand this instinctively, whereby talent is evaluated, costs are questioned, and outcomes matter. Investing should […]
3 Things You Can Do with Money
Every financial future is shaped by where your money goes next. No matter who you are or how much you’ve built, there are only three things you can ever do with money: spend it, invest it, give it away. Understanding this isn’t about restriction, it’s about intention. Spend It If spending is the only […]
4 bags of Money
Seeing where your money really goes is often the first step toward keeping more of it. Not all money is treated the same — especially when it comes to tax. This simple framework helps clarify how different types of income are taxed, so you can make smarter decisions about where your wealth flows and where it […]
Tax Efficiency in Retirement
Make your retirement dollars shine brighter Most Canadians keep their retirement savings inside an RRSP but once you start withdrawing, the CRA can tax that income at rates as high as 53%. For high earners, that means your retirement dollars may not stretch nearly as far as you planned. But what if you could gradually shift […]
Tuna’s on Sale
Why recovery can be a ray of opportunity for smart investors Here’s a family that loves having tuna for lunch. Normally, a can costs $2.00 at the grocery store. Each month, Mom buys 10 cans for $20.00. One month, the store overstocks and drops the price to $1.00 per can — half the usual cost, for a […]