Davlyn Financial Services Inc.

Davlyn Financial Services Inc. Our goal is to help you achieve your financial dreams!

We are committed to building a relationship and helping you achieve your goals and dreams through personalized, custom financial planning.

Raising costs across Canada are being felt everywhere – from the grocery store to housing to everyday essentials. What u...
05/01/2026

Raising costs across Canada are being felt everywhere – from the grocery store to housing to everyday essentials.

What used to feel manageable now feels tight, and for many households, that pressure is constant.

With higher housing costs, increased grocery prices, and interest rates that have made borrowing more expensive, it’s understandable if things feel heavier right now. Financial stress doesn’t just sit in your bank account – it impacts your sleep, your focus, and your overall well being.

The good news? Small, intentional changes can help you regain a sense of control:
- Reviewing where your money is going
- Adjusting spending where possible
- Building even a small financial cushion

You don’t need a perfect plan – you need one that works for your life today. Lets create a strategy that gives you breathing room, not more pressure.

canada

Small business owners: are you CRA ready?From tracking expenses to understanding GST/HST and paying yourself properly – ...
04/29/2026

Small business owners: are you CRA ready?
From tracking expenses to understanding GST/HST and paying yourself properly – small mistakes can turn into costly ones.
A little planning now can save you a lot at tax time. Here are some practical, high-impact tips every Canadian business owner should know:
- Separate business & persona finances
- Pay yourself strategically
- Be audit-ready
- Consider Incorporation (if you haven’t already)

TFSA withdrawals are tax-free – but that doesn’t mean there aren’t rules.Once of the biggest mistakes Canadians make? Re...
04/27/2026

TFSA withdrawals are tax-free – but that doesn’t mean there aren’t rules.

Once of the biggest mistakes Canadians make? Re-contributing in the same year without available room.

Understanding how withdrawals work can save you from penalties – and help you maximize tax-free growth.

Are you using your TFSA the right way?

Travel insurance might be the most underrated group benefit. One emergency outside Canada can cost thousands – but many ...
04/24/2026

Travel insurance might be the most underrated group benefit.

One emergency outside Canada can cost thousands – but many employees don’t even realize what their plan covers.
Adding or upgrading travel coverage is a simple, cost-effective way to protect your team and elevate your benefits package.

Have you reviewed your plan lately?

What is a holding company—and why do so many business owners use one?A Holdco doesn’t run your business… it protects and...
04/20/2026

What is a holding company—and why do so many business owners use one?

A Holdco doesn’t run your business… it protects and grows your wealth.

From tax deferral to asset protection and succession planning, it’s one of the most powerful structures in Canadian business. If your corporation is generating surplus cash, it might be time to level up your structure.

What is an IPP?An individual pension plan is a defined benefit pension plan designed for incorporated business owners an...
04/17/2026

What is an IPP?
An individual pension plan is a defined benefit pension plan designed for incorporated business owners and high-income professionals in Canada. It can often be thought as a more powerful, structured alternative to an RRSP – bult specifically for people who earn income through a corporation.

How it works?
The corporation contributes to your IPP, which are tax-deductible to the business. The funds grow tax-deferred. Once retired, you receive a predictable pension income. Unlike RRSP’s your contribution room is based on salary and age, not just a fixed annual limit.

Selling your business to a third party or selling to family?There are Pros & Cons to both. Selling to family keeps your ...
04/15/2026

Selling your business to a third party or selling to family?

There are Pros & Cons to both. Selling to family keeps your legacy alive – but may come with complexity. Selling to a third party can maximize value – but you give up control. The right decision isn’t just financial; its personal.
Let’s build a succession plan that aligns with both.

Key person insurance is a life (and sometimes disability) insurance policy a business takes out on a critical employee –...
04/13/2026

Key person insurance is a life (and sometimes disability) insurance policy a business takes out on a critical employee – like an owner, founder, or top executive – whose loss would significantly impact the company. The business owns the policy, pays the premiums, and is the beneficiary.
This coverage helps your business

- Cover lost revenue
-replace or recruit talent
-reassure lenders or investors
-maintains operations during transition
-protect business value for succession planning

When was the last time you actually reviewed your spending?A quick 2-3 month personal audit can reveal where your money ...
04/08/2026

When was the last time you actually reviewed your spending?

A quick 2-3 month personal audit can reveal where your money is really going – and where you can make smarter moves.

Its not about cutting everything. Its about getting the best bang for your buck. Need help identifying opportunities and implementing change? We can help.

Spring is the perfect time to refresh your finances! Review your investments, revisit your retirement strategy, and make...
04/06/2026

Spring is the perfect time to refresh your finances! Review your investments, revisit your retirement strategy, and make sure your financial plan is on track for the year ahead.
Book an appointment today — let’s make this season a fresh start for your financial future.

Address

1730 Bishop Street N Unit 3
Cambridge, ON
N1T1N4

Opening Hours

Monday 8am - 4pm
Tuesday 8am - 4pm
Wednesday 8am - 4pm
Thursday 8am - 4pm
Friday 8am - 12pm

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