Insights & Perspectives
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Written by Senior Advisors • Sharing Expertise Since 1995
Paying Down a Mortgage or Investing? How to Decide What’s Right for You
One of the most common financial questions Canadians ask is: Should I pay down my mortgage faster, or should I invest my extra money? It’s a smart question and an important one because the decision can have a long-term impact on your wealth, cash flow, and peace of mind.
Tax-Loss Selling: What It Is and How to Use It Before December 31
As the year draws to a close, many Canadian investors begin reviewing their portfolios and looking for ways to reduce taxes before December 31. One strategy that often comes up in year-end planning discussions is tax-loss selling
What Are Donor-Advised Funds and How Do They Work?
Giving back to causes you care about can be one of the most meaningful financial decisions you ever make. For many Canadians, philanthropy is more than writing a cheque once a year — it is a long-term strategy to support community organizations, build a family legacy,...
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Insights That Matter
Why Tax Efficiency Matters More Than Investment Returns Alone
When investors talk about performance, the conversation often focuses on returns—which portfolio performed better, which fund outpaced the market, or which strategy generated the highest growth. While investment returns are important, they tell only part of the story....
Why Market Volatility Is Normal and How to Invest Through It
Market volatility can feel unsettling—especially when headlines are filled with talk of interest rate changes, geopolitical conflict, inflation concerns, or economic slowdowns. Sharp market swings often trigger anxiety, second-guessing, and the urge to “do something”...
CPP, OAS, and GIS Explained: What Retirees Need to Know
Planning retirement income in Canada can feel overwhelming, especially when government benefits come with acronyms, eligibility rules, and timing decisions that can significantly impact your cash flow. Three of the most important programs retirees should understand...