Kelly Smith Group

05/01/2026

What would happen financially to your family if you weren’t here tomorrow? Life insurance can feel overwhelming, but the basics are simple. In this article, I explain how life insurance works, the difference between term and permanent coverage, and how to think about the right amount of protection. Clear guidance to help you make informed decisions for your family.

We are financial professionals dedicated to helping you achieve financial goals and making life more enjoyable.

04/01/2026

Tax season is here! Your 2025 return has some notable changes — a lower federal tax rate, higher RRSP limits, and a new Canada Disability Benefit worth up to $2,400 a year. A few credits have also been eliminated. Here's a quick guide to what's changed and what to look for on your return.

We are financial professionals dedicated to helping you achieve financial goals and making life more enjoyable.

03/30/2026

The 2026 Ontario Budget just dropped and there are some big changes that could affect your taxes. Small business owners could see their provincial income tax rate drop from 3.2% to 2.2%, new home buyers could save up to $80,000 in HST, and businesses can write off equipment costs right away. But some of these benefits are time-limited, so it is worth understanding the details now.

We are financial professionals dedicated to helping you achieve financial goals and making life more enjoyable.

03/02/2026

2026 Canada Money Facts – Get the latest TFSA, RRSP, FHSA, CPP, OAS, and RESP limits. Stay informed on savings, pensions, and benefits for the year ahead!

We are financial professionals dedicated to helping you achieve financial goals and making life more enjoyable.

02/03/2026

Are you retirement-ready for 2026? Discover the specific math behind CPP and OAS benefits, the new tax-sheltered contribution limits, and why tax-exempt life insurance may be your missing 'third bucket.' Learn how to bridge the gap between government support and the lifestyle you’ve earned.

We are financial professionals dedicated to helping you achieve financial goals and making life more enjoyable.

01/28/2026

🇨🇦 Bank of Canada keeps interest rate at 2.25%
The Bank of Canada today held its overnight policy interest rate at 2.25%, reflecting its view that the current level continues to support stable inflation and a modest economic outlook. The Bank noted that global and U.S. trade uncertainty—and the ongoing adjustment to tariffs—are key risks that make future rate moves difficult to predict.

Inflation remains near the Bank’s 2 % target, and the decision signals a cautious approach as Canada’s economy adapts to changing conditions.

🔗 Full Bank of Canada announcement: https://www.bankofcanada.ca/2026/01/fad-press-release-2026-01-28/

01/03/2026

Make 2026 your most organized year yet with our guide to key financial dates and deadlines. From tax filings to benefit payments and investment opportunities, this resource keeps you one step ahead.

📌 Check out the full guide and take control of your financial milestones today!

We are financial professionals dedicated to helping you achieve financial goals and making life more enjoyable.

12/03/2025

Before December 31, business owners have a valuable chance to strengthen cash flow and reduce taxes. From balancing salary and dividends to claiming new deductions and credits, smart year-end planning can make a lasting impact. Discover which 2025 tax strategies can help your business close the year strong and start 2026 with confidence.

We are financial professionals dedicated to helping you achieve financial goals and making life more enjoyable.

12/01/2025

The end of 2025 is just around the corner — and now’s the best time to review your finances. From RRSPs and TFSAs to family credits and student benefits, proactive year-end planning can help you keep more of your hard-earned money. Here are the key 2025 personal year-end tax tips every Canadian should know.

We are financial professionals dedicated to helping you achieve financial goals and making life more enjoyable.

11/05/2025

The 2025 Federal Budget takes a steady, practical approach — supporting home buyers, families, and businesses while keeping Canada on a sustainable fiscal path.
✅ GST removed for first-time home buyers
✅ New credits for caregivers and support workers
✅ Expanded SR&ED and clean-tech incentives
✅ Clarified rules for trusts and estate planning

We are financial professionals dedicated to helping you achieve financial goals and making life more enjoyable.

11/03/2025

RRIF minimums rise with age—know what you must withdraw & how to plan.

We are financial professionals dedicated to helping you achieve financial goals and making life more enjoyable.