News & Commentary

Many of us contribute our hard-earned dollars into our RRSPs so that we can retire comfortably one day. Because of the taxation of RRSP withdrawals, money contributed should stay inside the RRSP until you are retired and in a lower tax bracket. This makes these funds somewhat illiquid. But what happens if you get sick […]

Market & Economic Environment  Global equities declined in October, posting their biggest weekly drop since March in the last week of the month. Risk appetite was hampered by lockdown measures in some countries that were necessitated by surging coronavirus cases, as well as uncertainty surrounding a potential U.S. stimulus deal. The TSX Composite fell 3.4% […]

When clients sit down to write out their estate goals, they almost unanimously want to ensure that their money is passed down to surviving family members as quickly as possible paying the least amount of tax possible. We also see a growing trend of clients wanting to transfer uneven distributions of their assets to certain […]

North American and global indices retreated in September, weighed down by growing concerns about a second wave of COVID cases worldwide and uncertainty surrounding a potential U.S. stimulus deal, but still ended the third quarter with solid gains. The TSX Composite posted an overall Q3 gain of 3.9% after declining 2.4% in September; the energy […]

When most people think about disability claims they think about broken bones and other physical injuries that usually heal with time, when some of the most common disability claims come from cancer, cardiac and mental health issues that do not go away.  Due to cost constraints many insurance plans will put emphasis on the first […]

Market & Economic Environment It was full steam ahead for the equity markets in August, as investors anticipated a return to global growth, alongside a slowing trajectory of new COVID cases. This enthusiasm combined with favorable central bank policies led U.S. indices to post their best August performance in decades. The Dow Jones Industrial Average […]