Buying your first home is an exciting time filled with promise and hope for the future. The Canadian government offers incentives for first-time homebuyers who qualify, so be sure to take advantage of this program if you can.   With your dreams of homeownership now realized, it is the perfect time to review your overall...

What comes to mind when you think of selling one or more of your properties or passing them down to your beneficiaries after your passing? If you are like most people, you are counting the zeros in your profit margin. The reality is property owners of multiple properties do not always end up with as...

If you are over 65 and recently retired, you are probably already enjoying the retired life. However, one way to fully enjoy retirement is to have financial peace of mind. Will your spouse be able to continue enjoying retirement in your present lifestyle if something happens to you?  Should you consider life insurance as a...

Would you believe the average person buys around nine cars during a lifetime? Buying a car is not something most people do every year. When you do, it signals the perfect time to review your car and home insurance policies and consider what debts you may be passing along to your loved ones. Most likely,...

Buy-Sell Arrangements   A buy-sell arrangement is a legal and binding contract specifying how much of a share a business can be reassigned in case the co-partner or owner of a private corporation or business leaves or passes away. For instance, a partner may leave due to an unfortunate event that caused a severe injury,...

Business Partnerships According to the Government of Canada, a partnership is a mutual relationship between two or more corporations or individuals who carry on a business together. Because each partner contributes their labor, skillsets, and money to an enterprise, they share in the losses or profits of a business. Such losses or gains are often...

Hiking, bouldering, and picnicking are well-known activities in our beautiful Niagara Glen. The gorgeous park and nature preserve have expansive trails leading to the Niagara River, boasting thrilling white-water rapids and serene nature views. Explore the park’s many natural features with a guided hike or on a solo adventure. Despite the beautiful nature in Niagara,...

When you own a business, you have a responsibility to your business partners and your family. Since you are self-employed, you must provide for your family when you are no longer able to work. It even goes beyond just protecting them when you are alive. You must provide for them if you become incapable of...

People are unique individuals with different interests, dreams, preferences, and gender identity and expression are an important part of who you are. Being free to express yourself and live your life authentically is a right you have as a Canadian. Understanding gender identity and protecting its citizens from harm and discrimination is a part of...

Corporate-Owned Life Insurance According to the Government of Canada, life insurance can help individuals cope with the financial impact of a person’s death. The life insurance death benefit may be paid out through a tax-free, lump-sum dividend. Corporate-owned life insurance is a type of life insurance policy that pays a kind of benefit to a...