Panorama Advisory Group

10/15/2026

If your child is starting their next chapter, it may be time to put your RESP savings to work. Before making a withdrawal, this checklist can help you understand:

✔️ Which institutions, programs and expenses qualify
✔️ What you’ll need for valid proof of enrolment
✔️ How RESP withdrawal types differ
✔️ Why timing and tax considerations matter

Our team can help you plan withdrawals to support your child’s education and your family’s financial goals.

Visit our website to read the full article.

https://panoramaadvisorygroup.com/resp-withdrawal-checklist-3/

If your child is enrolled in a post-secondary education program this year, it’s time to consider withdrawing from your Registered Education Savings Plan (RESP). This checklist outlines which post-secondary educational programs would qualify and can help you determine how and when to draw on the av...

10/14/2026

For business owners, deciding whether to invest through a corporation or personally involves more than just investment returns.

Passive investment income earned within a Canadian-controlled private corporation (CCPC) can have different tax implications than income earned personally. From RRSP and TFSA contributions to corporate investment strategies, there are several factors to consider when planning for your long-term 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

Canada initially benefited from improving trade data and AI-driven market leadership, but rising bond yields and pressure on commodity-sensitive sectors created headwinds before weaker September employment data late in the week increased expectations for a more accommodative Bank of Canada path.

Catch up on the latest market news from Scotia Wealth Management - it’s on our news page now.

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

From our families to yours, happy Thanksgiving.

10/08/2026

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).

If the time has come to withdraw funds from your child’s RESP, here are six tips to consider.

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.

10/07/2026

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 commitments from pension funds, banks, and other investors.

Read more 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 stocks followed a similar path but lagged, as a flat July GDP print and firmer August flash estimate offered little fresh direction, leaving the index slightly lower for the week.

The latest market news from Scotia Wealth Management has been posted to our blog page.

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

Market volatility can be concerning. Is your portfolio prepared?

If recent market volatility is causing you to question your investments, it’s time for a second opinion on your portfolio. Visit our website to learn more.

https://panoramaadvisorygroup.com/secondopinion-2/

10/01/2026

Helping adult children purchase a home is becoming more common—but it’s not without financial implications.

From gifting funds and co-signing mortgages to exploring savings accounts and structured loans, this article examines the advantages and risks of each approach so parents can make informed, secure decisions.

More Canadian parents are stepping in to help adult children buy a home. While financial support can make homeownership more attainable, it’s not without risks.

09/29/2026

An RESP is probably the most common education savings vehicle. Usually opened by a parent or grandparent, it’s designed to help save for the post-secondary education of a child, grandchild, or another beneficiary.

Although RESP contributions are not tax-deductible, they allow savings to compound and grow tax-efficiently until the beneficiary is ready for college or university.

Learn more on our website.

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.