The Macenko Merkley Group

10/15/2026

You’ve spent years saving for your child’s education. When it’s time to use those RESP funds, planning your withdrawals can help you make the most of your savings. This article shares six tips, including:

✔️ Gathering the required proof of enrolment

✔️ Understanding how different withdrawals are taxed

✔️ Considering your child’s income when timing withdrawals

✔️ Exploring your options if education plans change

Read the full article on our website.

One of the most effective ways for parents to save for their children’s education is to invest in a Registered Education Savings Plan (RESP). Here are six tips to help you get the most out of RESP withdrawals.

10/14/2026

Earning investment income through a corporation can come with important tax considerations for business owners.

From corporate tax rates to the potential impact on the Small Business Deduction, understanding how passive investment income is taxed can help you make more informed decisions about your business and personal wealth.

ABI is earned from active business operations. Passive investment income generally includes interest, rents, royalties, foreign and Canadian dividends, and capital gains earned from investments in property. Any reference throughout this article to an Opco or Holdco is to a CCPC. For more information...

10/13/2026

Canadian equities returned 0.48% as strong trade data and growth-sector gains supported sentiment, though rising yields, commodity volatility and weaker labour data increased expectations of a more dovish Bank of Canada.

Don’t miss Scotia Wealth Management’s latest market update—now on our website.

Market highlights AI optimism gives way to rising yield concerns Bond markets whipsawed by inflation and policy signals Economic highlights Canadian labour market softens further in September U.S. trade deficit widens sharply as services sector continues to expand Eurozone retail sales edge higher a...

10/12/2026

Happy Thanksgiving! We're grateful for a day of peaceful rest, delicious holiday meals and quality time with the people we love. We hope you enjoy the same.

10/08/2026

Integrating charitable giving into your wealth plan can create a lasting impact and foster a spirit of generosity within your family. This article explores how to make exceptional donations, leverage tax incentives, and establish family foundations to support your philanthropic goals. Please contact us if you have any questions or would like personalized financial guidance!

As the saying goes, “charity begins at home but should not end there.” The spirit of generosity is often passed on from parents to their children. That’s a sentiment Malcolm Burrows, Head of Philanthropy Advisory Services at Scotia Wealth Management, can relate to. “It was kind of inevitable...

10/07/2026

Canadian equities may be supported by higher returns on invested capital, improved corporate cash flows, and a broader set of growth investment opportunities, particularly across the financials, energy, materials, and industrials sectors.

Check out the latest news from Scotia Wealth Management on our website.

At a Glance The Canadian government, in conjunction with CPP Investments and PSP Investments, hosted its first-ever Canada Investment Summit in Toronto on September 14–15 2026, drawing investors from nearly 30 countries. The event produced almost $500 billion in newly announced investment commitme...

10/05/2026

Canadian equities returned -0.78%, lagging the late U.S. rally as higher bond yields weighed and domestic data offered no clear catalyst.

Stay informed—Scotia Wealth Management’s latest market news is now on our website.

Market highlights Softer U.S. jobs data offsets early energy and rates pressure Bonds rally as weaker jobs data pares Fed hike expectations Economic highlights Canadian GDP rebounds in August, supporting solid Q3 growth outlook U.S. job growth slows as economy expands moderately and inflation pressu...

10/02/2026

This video focuses on how to build a retirement income strategy that prioritizes tax efficiency, exploring why the order in which you draw income matters and how a well-structured plan can help you reduce tax, avoid OAS clawbacks, and preserve wealth for the future.

Watch the video below or visit our website to learn more. If you have any questions about this information, we'd love to hear from you!

https://macenkomerkleygroup.com/retirement-tax-planning-tips-sources-of-retirement-income/

10/01/2026

Are you making the most of your RESP? Here's how different contribution strategies can affect education savings over time—and where other savings vehicles may fit in.

With the rising cost of post-secondary education in Canada, you may be wondering what’s the best contribution strategy when it comes to a Registered Education Savings Plan (RESP) and other savings vehicles.

09/29/2026

A text or call from your bank might look legitimate, but could it be a scam? Watch for the warning signs and know what to do if something doesn’t feel right.

Read more from Scotia Wealth Management on our website.

Is that high-pressure email or text really from your bank? Learn how to spot financial scams early and keep your money safe.