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Cornerstone Capital Financial Group Mutual funds, approved exempt market products & ETFs offered through Investia Financial Services Inc The CCFG team offers you unbiased, independent advice.

With our shared industry experience, we are here to help you create a financial life plan and see it through, so you can live with confidence and clarity. We are committed to establishing a long-term relationship with you to ensure your continued financial well-being. The foundation of this commitment is our proven process, built upon our core mission to educate, empower and enrich. In Your Corner,
Shannon, Giovanni, Peter, Heather, Chris, Alisa and Kimberly

Mutual funds, approved exempt market products and exchange-traded funds are offered through Investia Financial Services Inc.

In our last post, we looked at the role income protection can play in a financial plan. Understanding the coverage you a...
10/15/2026

In our last post, we looked at the role income protection can play in a financial plan. Understanding the coverage you already have is an important next step.

Whether you have disability insurance through your workplace, an individual policy or both, consider reviewing:

✓ How much of your income may be replaced
✓ When benefits would begin
✓ How long benefits may continue
✓ How your policy defines disability
✓ How other disability benefits may affect your coverage
✓ Whether your coverage still reflects your current income and needs

Your career, income and financial responsibilities can change over time - and your insurance needs may change with them.

A periodic review can help you better understand the coverage you already have, how it fits into your overall financial plan and whether there are any areas worth revisiting.

The more you understand your coverage, the better prepared you can be to make informed financial decisions as your life changes.

Source: Financial Consumer Agency of Canada - Disability Insurance



This information is general in nature and is not financial or insurance advice. Disability insurance policies vary. Coverage is subject to the terms, conditions, definitions, exclusions and limitations of the applicable policy. Individual circumstances vary.

Your income helps make many of your financial goals possible.From everyday expenses and housing costs to saving for reti...
10/13/2026

Your income helps make many of your financial goals possible.

From everyday expenses and housing costs to saving for retirement and supporting the people who depend on you, your income plays an important role in your financial plan.

That’s why protecting your ability to earn an income can be just as important as deciding how to save and invest it.

Disability insurance is designed to replace a portion of your income if an illness or injury prevents you from working, subject to the terms of your policy.

Think of income protection as one part of your financial foundation - working alongside your emergency savings, investments and other insurance coverage to help keep your financial plans moving forward.

Planning for the unexpected is about creating greater financial flexibility and understanding the options available to you as life changes.

Source: Financial Consumer Agency of Canada - Disability Insurance

Wishing you a Thanksgiving filled with good food, meaningful moments, and time with the people who matter most.From all ...
10/12/2026

Wishing you a Thanksgiving filled with good food, meaningful moments, and time with the people who matter most.

From all of us at Cornerstone Capital Financial Group, Happy Thanksgiving! 🍂

In our last post, we introduced the RDSP as one option that can support long-term financial planning. But there’s more t...
10/08/2026

In our last post, we introduced the RDSP as one option that can support long-term financial planning. But there’s more to understand about how an RDSP may help eligible beneficiaries build their savings.

Depending on eligibility, contributions and family income, the Canada Disability Savings Grant can provide matching grants of up to $3,500 per year.

The Canada Disability Savings Bond can provide up to $1,000 per year for eligible lower-income beneficiaries - and personal contributions are not required to receive the bond.

There may also be an opportunity to receive unused grant and bond amounts from previous years, subject to applicable rules and limits.

Already have an RDSP? Consider reviewing it regularly to understand your available grants and bonds, contribution strategy and how the plan fits with your longer-term financial goals.

Understanding what may be available can help you make more informed decisions about your long-term planning.

Source: Government of Canada - Canada Disability Savings Grant and Canada Disability Savings Bond



This information is general in nature and is not financial or tax advice. RDSP grant and bond eligibility, amounts and carry-forward rules apply and depend on individual circumstances.

October is RDSP Awareness Month - a great time to learn more about this long-term savings option.This month, we’re also ...
10/07/2026

October is RDSP Awareness Month - a great time to learn more about this long-term savings option.

This month, we’re also focusing on planning for the unexpected - understanding the options available to you and building greater flexibility into your financial plan as life changes.

A Registered Disability Savings Plan (RDSP) is designed to help individuals who are approved for the Disability Tax Credit (DTC) save for their long-term financial future.

Depending on eligibility and family income, an RDSP may also provide access to the Canada Disability Savings Grant and Canada Disability Savings Bond - government programs that can help eligible beneficiaries build their savings.

An RDSP can be one part of a broader financial plan focused on future goals, financial well-being and greater independence.

Knowing what programs are available, understanding how they work and considering how they fit into your broader financial plan are important first steps.

Source: Government of Canada — Registered Disability Savings Plan



This information is general in nature and is not financial, tax or legal advice. RDSP, Disability Tax Credit, grant and bond eligibility rules apply. Individual circumstances vary.

Back to School. Back to Basics. 🎓In our last Back to Basics post, we looked at how an RESP can help families prepare for...
09/28/2026

Back to School. Back to Basics. 🎓

In our last Back to Basics post, we looked at how an RESP can help families prepare for future education opportunities. But opening an RESP is only the beginning.

Education goals, family circumstances and timelines can change, which is why regular reviews matter.

Consider reviewing:
✓ Beneficiary information
✓ Your contribution schedule
✓ Available Canada Education Savings Grant room
✓ Eligibility for the Canada Learning Bond
✓ The investments held within the plan and the time remaining before they may be needed
✓ Your withdrawal plan as post-secondary education approaches
✓ How education savings fit with your family’s other financial priorities

Your approach may evolve based on the beneficiary’s age, anticipated education path, available resources and the terms of the RESP.

A thoughtful review can help keep your education savings strategy aligned with your family’s goals and priorities.

When did you last review your RESP?

Source: Government of Canada — Registered Education Savings Plans and related benefits.



This information is general in nature and is not financial or tax advice. RESP eligibility, contribution, grant, investment and withdrawal rules apply. Individual circumstances vary.

Back to School. Back to Basics. 🎓Education can open doors - and planning ahead can help families prepare for the opportu...
09/25/2026

Back to School. Back to Basics. 🎓

Education can open doors - and planning ahead can help families prepare for the opportunities that come with it.

A Registered Education Savings Plan (RESP) may provide:
• Tax-deferred growth while earnings remain in the plan
• Access to the Canada Education Savings Grant for eligible beneficiaries
• Access to the Canada Learning Bond for eligible children from lower-income families — without requiring personal contributions
• Support for eligible studies at universities, colleges, trade schools and apprenticeship programs

RESP contributions are not tax-deductible, and contribution, grant and withdrawal rules apply. Understanding how an RESP works can help families make informed decisions about education savings and how it fits with their other financial priorities.

Could an RESP be part of your family’s education savings plan?

Source: Government of Canada - Registered Education Savings Plans and related benefits.



~ This information is general in nature and is not financial or tax advice. RESP eligibility, contribution, grant and withdrawal rules apply. Individual circumstances vary ~

Back to School. Back to Basics. 🍂A new season brings new routines - and a fresh opportunity to get back to the basics an...
09/22/2026

Back to School. Back to Basics. 🍂

A new season brings new routines - and a fresh opportunity to get back to the basics and check in with your finances.

Ask yourself:

• Do my current financial goals still reflect what matters to me?

• Is my monthly spending aligned with those goals?

• Have changes to my income, family or priorities affected my plans?

• What is one manageable financial task I can complete this month?

Financial progress doesn’t always require a major change. Sometimes, it begins with one thoughtful conversation or one practical next step.

This fall, take a little time to revisit the basics and make sure your financial plan continues to reflect what matters to you.

Our advisors can help you define your goals, align your financial plan with your priorities and identify practical steps to keep moving forward.

What financial goal would you like to revisit this fall?

Back to School. Back to Basics. 🍎September is a great time to get back to learning, and that includes building our finan...
09/18/2026

Back to School. Back to Basics. 🍎

September is a great time to get back to learning, and that includes building our financial knowledge.

Meet our friend Keaton!

Keaton came to us with some great questions about money, saving and investing, so he booked some time with a financial advisor to learn more. We were delighted to sit down with him, answer his questions and encourage his curiosity.

It was a great reminder that financial education can begin at any age, and there is always more to learn.

Money conversations can grow and change with us throughout our lives:

• Young children: Introduce needs, wants and the idea of saving.
• Teenagers: Talk about budgeting, earning money and using credit responsibly.
• Young adults: Explore education costs, taxes, workplace benefits and starting to save.
• Parents and families: Revisit goals, financial responsibilities and protection planning.
• Older adults: Talk about retirement income, estate wishes and keeping important information organized.

These conversations don’t need to include every financial detail. Keep them age-appropriate, respectful and free from judgment.

The goal is simply to keep learning, asking questions and building the knowledge and confidence to make informed financial decisions.

What money lesson has stayed with you or your family?

Congratulations to our 2026 Cornerstone Community Scholarship recipient, Billie MacDonald Moore! 🎓⁠⁠Billie’s submission ...
09/10/2026

Congratulations to our 2026 Cornerstone Community Scholarship recipient, Billie MacDonald Moore! 🎓⁠
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Billie’s submission stood out for its thoughtful ideas, personal connection and genuine commitment to giving back to her community.⁠
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Her essay focused on Lansdowne Children's Centre, an organization that has been part of her life since she was an infant and one she continues to support through volunteering. Billie shared a vision of helping children and youth with disabilities through assistive technology, adaptive equipment and educational opportunities.⁠
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We are very pleased to award Billie the $1,000 Cornerstone Community Scholarship as she begins the next chapter of her education.⁠
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Supporting young people who want to make a difference in their communities is one of the ways we put Educate • Empower • Enrich into action.⁠
⁠
Congratulations, Billie! We can’t wait to see where your next chapter takes you.⁠
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~Pictured from left to right: Peter Pomponio, Shannon McMannis, Billie MacDonald-Moore, Alisa Foster ~

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214 Brant Avenue
Brantford, ON
N3T3H9

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Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

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