Ian C. Moyer Insurance Agency Inc.

12/06/2025

December is an important month for families contributing to a Registered Education Savings Plan. To receive the 2025 Canada Education Savings Grant, contributions must be made before December 31. The Canada Education Savings Grant can provide up to $500 per child each year, making it one of the most effective ways to grow education savings.

If you are unsure how much contribution room you have left, how the grant is calculated, or how to structure your RESP for long-term growth, our team can help you review your options.

To book a call or send us a message, visit our contact page:
https://www.ianmoyer.com/contact/

12/03/2025

A Tax-Free Savings Account remains one of the most flexible and valuable tools available to Canadians. Investment growth and withdrawals are tax-free, which makes the TFSA an important part of long-term planning, whether you are saving for retirement, a major purchase, or building general financial security.

As the year comes to a close, this is a good time to review your contribution room, confirm you have not overcontributed, and ensure your TFSA is invested in a way that reflects your goals and timeline. Understanding how your TFSA fits with your RRSP and non-registered accounts can help you make more effective financial decisions.

If you would like help reviewing your contribution room or determining the best way to use your TFSA for long-term planning, our team can provide clear, independent guidance.

To book a call or send us a message, visit our contact page:
https://www.ianmoyer.com/contact/

12/03/2025

Many Canadians wait until the last minute to think about their RRSP contributions, but reviewing your strategy before year-end can make a meaningful difference in your tax bill and your long-term retirement income.

RRSP contributions remain one of the most effective tax-advantaged ways to save for the future. Contributions may lower your taxable income today, while the investments inside your RRSP grow tax-deferred until withdrawal. The key is understanding how much room you have, whether a Spousal RRSP makes sense for income splitting, and how your contribution strategy fits into your broader financial plan.

If you are unsure how much you should contribute, whether an RRSP or TFSA is the better choice, or how a deposit could affect your tax refund this year, a personalized review can help you make an informed decision.

At ICM Insurance Agency, we provide independent financial advice to help Canadians plan their retirement income more effectively and with greater confidence. If you have questions about your RRSP contribution room, the upcoming deadline, or how your strategy fits into your overall financial plan, we are here to help.

To book a call or send us a message, visit our contact page:

45 King St W. Ingersoll ON N5C 2J7 Phone: 1-519-485-5801 Toll Free: 1-800-565-5444 Fax: 1-519-425-1207 E-mail: [email protected] Office Hours: Monday - Friday 8:30am - 5:00pm

12/03/2025

A recent Manulife study found that almost half of Canadian retirees left work earlier than planned, often because of health issues, job loss, or needing to care for family. The average early retirement age was just 59, and only a small number retired early because they felt financially prepared.

At the same time, Canadians are living longer. This means many may face retirements lasting 30 to 40 years, which puts even more pressure on personal savings. Many early retirees in the study were surprised at how expensive retirement was and how quickly their savings were being used.

With rising living costs and increasing financial stress, planning ahead is becoming essential.

If you have questions about how situations like this could affect your own retirement strategy, or you want help understanding your options, send us a message. We are here to help you plan with confidence.

Approximately, 1000 Canadians are reaching retirement age each day. Many among them are the advisors who got them there. After 30 years of accumulation-oriented advice, most are left to fend for themselves when it comes to designing a retirement income plan that is efficient and practical. This is ...

11/05/2024

Baby boomers and gen X are taking on more mortgage debt
Rising number of home owners are turning to reverse mortgages, and among those, more are doing so to help their children with a down payment

More home owners are turning to reverse mortgages, and among those, more are doing so to help their children with a down payment. Read on.

10/30/2024

Wealth survey shows stark disparity between homeowners, renters
The results show a dysfunctional system, policy analyst says.

The results show a dysfunctional system, policy analyst says

08/12/2024

Did you know there was a recent increase in CPP and OAS benefits?

Wondering how much you could be getting?

We've got the latest numbers on Maximum Benefit Amounts for the Canada Pension Plan (CPP) in 2024 and Old Age Security (OAS) for January to March 2024.

Learn more here:
https://www.canada.ca/en/employment-social-development/programs/pensions/pension/statistics/2024-quarterly-january-march.html

08/09/2024

Retirement on the horizon? 🌅 Get ready for the next chapter of your life with the Retirement Income Guide for Canadians. It's your go-to resource for a smooth and financially secure transition into retirement. Download now! 💼💰
https://icminsuranceagency.my.canva.site/

08/07/2024

Canada’s Retirement Income Guide:

Top 5 Challenges Canadians Face
Crucial Retirement strategies
Key Considerations
Business owner planning tips
Planning Strategies for Baby Boomers



https://icminsuranceagency.my.canva.site/

08/07/2024

🔗 Unlock Your Financial Future with Ian C. Moyer Insurance Agency Inc. 🔗

🌟 Everyone Deserves a Financial Plan 🌟

At Ian C. Moyer Insurance Agency Inc., we believe every Canadian deserves the opportunity to enjoy a worry-free retirement. No matter your financial situation, we offer flexible and transparent pricing models to fit a variety of planning needs.

💡 How We Can Help You:

📊 Second Opinion
Looking for a second opinion on your current retirement progress? Get a detailed financial projection and key considerations, along with a virtual consultation. Starts at $125.

🕒 Fee Only
Want advice but prefer to manage your own money? Our "fee-only" engagement provides a comprehensive review of your financial affairs. Starts at $250/hour, with ongoing service as needed.

💼 Fee Based
Looking for a traditional financial advisor relationship? Our "fee-based" engagement includes comprehensive financial advice and money management, with compensation based on a percentage of the savings we invest.

👥 Who We Serve:

💼 Young Professionals
Starting your career and investing? We offer planning advice to help secure your future.

👵 Approaching Retirement
Thinking seriously about retirement? We provide the right advice to help you retire confidently.

🏖️ Already Retired
Retired and need another look at your investments? We can ensure your investments align with your retirement goals.

📄 Request a Sample Report!
Provide us with some rough account balances, and we'll email you a sample report to see if we're the right fit for you.

🔗 Start your free consultation today: www.ianmoyer.com/services

At Ian C. Moyer Insurance Agency Inc., our goal is simple: to ensure your hard-earned dollars work hard for your retirement, investments, and insurance needs. With experienced financial security advisors, we've helped hundreds plan for their future and achieve financial independence.

Everyone Deserves a Financial Plan We want to provide every Canadian the opportunity to enjoy a worry-free retirement. No matter what your financial situation is, we have flexible and transparent pricing models designed to fit a variety of planning needs. Looking for a second opinion? A one-time eng...

02/14/2024

Navigating financial landscapes amid rising costs: Over 50% of Canadian investors prioritize immediate expenses, choosing tax-free savings accounts ( ) for liquidity. CIBC's insights reveal a shift to conservative investments amidst economic uncertainties. While 57% fear running out of money in retirement, the dream of retiring at 60 persists. Balancing short-term needs with long-term goals is essential. How are you adapting your financial strategy? 🌐💰

Canadians are focusing less on saving for retirement and more on trying to make ends meet, though most still want to retire early. Read on.

09/20/2023

🚀 Ready to supercharge your retirement savings? 💰 Explore expert strategies in the Retirement Income Guide for Canadians and make your money work harder for you! Learn more here: https://icminsuranceagency.my.canva.site/