Sean Jones - Sun Life Financial advisor

04/15/2026

Round 2 at King Animal Hospital for the Ontario Equestrian Sustainable by Design Stables Program.
Providing financial clarity for long-term stability to a group of stable owners.

04/27/2023

I love the idea that Us Gen Xer’s are buying cottages. And are motivated by the concept of passing it to the next generation.

I would suggest that when purchasing a cottage, whole life insurance should be factored into the equation. We know the long-term return on investment is impressive for cottages. The capital gains tax that will be owed when the cottage passes to the next generation will be equally as impressive – to the CRA.

Pay the taxes in advance at a significant discount using a properly structured whole life insurance plan.

The generation is seizing the opportunity to purchase a resilient asset to protect and grow the family fortune

03/28/2023

Sun Life recently released a video about what I confidently feel is the greatest financial tool available to us.
Sun Life’s Participating Whole Life Insurance Policy has been in existence for over 152 years. Each year, it has never failed to make a profit, guaranteed to never lose money and sheltered from tax. Par works perfectly as a hedge against your market-based and real estate investments. Especially now, considering the current volatility. Let’s talk about how to incorporate Par into your portfolio.

Vidyard video

06/30/2022

A frequently discussed topic with my clients is the case for deferring CPP (and OAS). Lea makes some great points in this article.

The higher the inflation rate, the bigger the benefit of waiting

04/21/2022

Is it possible that there is so much noise and so many causes that Canadians struggle to establish clarity in their philanthropic endeavours?

Total giving in 2019 to 2021 is projected to have dropped -12% due to the pandemic, inflation, and other challenges. At the same time, a growing number of Canadians are expecting to turn to charities for assistance this year.

CanadaHelps Giving Report highlights the health of the Canadian Charitable sector.
Some of the findings:
• Giving participation rates continue to steadily decline across all age groups

• The amount donated is declining 2x faster amongst higher-income families than lower-income families

• Younger generations have a higher degree of trust in charities

• Climate Change is the #3 cause overall, and #1 for Generation Z

• Mental Health is the #2 cause overall, important to all generations

• Supporting social justice and marginalized communites is more pressing for younger generations

You can view the full report here:

Learn insights into Canada’s charitable sector, giving trends, charity statistics, and more. Download The Giving Report 2022 by CanadaHelps.

04/12/2022

New FHSA - First Home Savings Account creates a great opportunity for people to enter the housing market.
What I know so far: $8,000 annual contribution limit creates an income tax deduction - similar to RRSP's. $40,000 total.
Growth is tax free and redemption is also tax free if used on down payment of first home. Unfortunately, cannot be used with First Time Home Buyers Plan redemptions from your RRSP.
I'm still learning details and will post when I find out more. in the meantime, fill up your TFSA's and have cash ready to deploy.

OTTAWA — Canadians looking to save a down payment to buy their first home will have a new tax-free savings account to use starting next year.

02/15/2022

Wealthy people are often criticized for not paying their fair share of taxes. When in fact, in most cases, the wealthy will make impactful charitable contributions, resulting in significant tax benefits.

If Elon were in Canada and he donated his TSLA shares “in-kind” to charity, 100% of the taxes on the capital gains would have been wiped out. Elon just turned his tax dollars into charitable donations.

Who do you trust more to manage your money, the government or your favourite charities?

Let’s talk about how you can turn your tax dollars into charity, just like Elon.

Fresh off selling nearly $20 billion in Tesla (TSLA) shares, CEO Elon Musk has divested himself of 5,044,000 shares of his company. Instead of the proceeds going to help pay the largest tax bill in [...]

06/21/2021

It's about time! Now hopefully the rest of Canada will follow suit.
Please open your RESP with a bank or financial institution and not any of these companies named in the lawsuit.

The lawsuit could prompt regulators to rethink rules around group RESP fees, one legal expert says.

06/02/2021

Yep! I agree 😘

05/13/2021

"The price of Bitcoin fell around 15% and was below $40K early Thursday, wiping around $300 billion from its value."

This was because of an Elon Musk tweet.
Still want to invest in Bitcoin?