New Horizons Wealth Management

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Canada
Laval, QC
New Horizons Wealth Management

Dealing Representative/ Financial Security Advisor

08/25/2026

Recently, I sat down with a new client who shared their biggest concerns about retirement planning. More than anything, they wanted a clear strategy and, most importantly, someone who would help them stay on track and follow through with that plan over time.

Unfortunately, their experience with their previous advisor had left them frustrated. In seven years, they had only met with their advisor three times. Their financial plan was constantly changing, not because their goals had changed, but because there was little focus on maintaining and updating a consistent strategy.

What stood out to me was that this family wasn't looking for miracles. They weren't searching for the next big investment opportunity or a guaranteed shortcut to success. They were looking for consistency, accountability, and a trusted professional who would be present throughout their financial journey.

In fact, they were referred to us because they had heard from others that we prioritize regular meetings, proactive planning, and ongoing communication. That's the value of having a consistent advisor. It's about ensuring that your financial plan evolves with your life, adapting to changes in the economy and the markets while staying aligned with your long-term goals.

We believe that financial planning is not a one-time event. It's an ongoing partnership. Our role is to follow up, provide guidance, and make sure investments remain aligned with the direction clients want to go. Most importantly, we want every client to feel like a partner, not just another account number.

Strong financial outcomes are often built on simple principles: consistency, trust, and a commitment to being there when it matters most. That's the difference we're striving to make for every family we serve.

08/21/2026

Why a Non-Registered Account Deserves a Place in Your Retirement Plan

A non-registered investment account is an investment account that is not registered with the Canadian government, unlike a TFSA or RRSP. While registered accounts are often the first choice for retirement savings, a non-registered account can play an important role in building retirement wealth.

Key Benefits

1. Unlimited Contributions Unlike TFSAs and RRSPs, non-registered accounts have no contribution limits. This allows investors to continue growing their investments once they have maximized their registered accounts.

2. Complete Flexibility Funds can be withdrawn at any time without penalties or restrictions. This flexibility can be valuable during retirement when unexpected expenses arise or when additional income is needed.

3. Tax-Efficient Investment Income Certain types of investment income receive favorable tax treatment:

Canadian dividends may qualify for the Dividend Tax Credit.
Capital gains are taxed more favorably than regular employment income because only a portion of the gain is included in taxable income.

4. Additional Retirement Income Source A non-registered account can supplement income from RRSPs, RRIFs, pensions, CPP, and OAS, helping retirees diversify their income sources.

5. Estate Planning Benefits Non-registered accounts can be incorporated into estate planning strategies and may provide flexibility when transferring wealth to beneficiaries.

6. Potential for Tax-Efficient Retirement Cash Flow Through Return of Capital (ROC)

Certain investments held in a non-registered account, such as some mutual funds and corporate class funds, may distribute a portion of their payments as Return of Capital (ROC). ROC is generally not immediately taxable because it is considered a return of your original investment rather than investment income. Instead, it reduces your adjusted cost base (ACB), potentially deferring taxes until the investment is sold.

For retirees, ROC can offer:

Tax-efficient cash flow during retirement.
Potential tax deferral, allowing more of your money to remain invested.
Reduced taxable income, which may help manage income thresholds related to government benefits.
Greater flexibility when coordinating withdrawals with RRIF, CPP, OAS, and other income sources.

While ROC is not tax-free forever and may result in larger capital gains when the investment is eventually sold, it can be an effective component of a retirement income strategy when combined with other registered and non-registered assets. Non-registered accounts are often used alongside RRSPs, RRIFs, and TFSAs to create a more tax-efficient withdrawal plan in retirement.

08/12/2026

A financial advisor's role is about much more than investing money.

A great advisor should be a trusted partner who understands your goals, your challenges, and the important milestones in your life. Financial planning is not a one-time conversation. As your life changes, your financial strategy should evolve with it.

Here are 5 questions every investor should ask:

✅ 1. Does your advisor understand your life beyond your investments?
Major life events such as buying a home, starting a business, changing careers, retirement planning, or growing your family can significantly impact your financial future.

✅ 2. Do you review your financial plan regularly?
Your financial plan should be reviewed at least annually, and sooner if major life changes occur.

✅ 3. Does your advisor stay in touch throughout the year?
Markets, economies, tax laws, and personal circumstances change constantly. Regular communication helps ensure you're informed and prepared.

✅ 4. Are recommendations being made in your best interest?
Always ask questions and understand why specific investment strategies or products are being recommended. Transparency is essential.

✅ 5. Is your estate and succession planning being discussed?
Your advisor should understand your wishes and help ensure the proper planning is in place to make things easier for your loved ones when it matters most.

At the end of the day, financial planning is about more than growing wealth. It's about protecting your future, reducing uncertainty, and helping you and your family navigate life's important moments with confidence.

The right advisor doesn't just manage your money. They help you manage your financial life.

07/29/2026

From a financial markets perspective, periods leading up to major elections often create several recurring risks:

1. Higher Volatility
This is usually the most noticeable effect.
Why?

Investors don't know which policies will be implemented.
Markets dislike uncertainty more than they dislike bad news.
Polling changes, debates, and campaign announcements can trigger sudden market moves.

What you might see:

Larger daily price swings.
More market reactions to headlines.
Increased VIX (volatility index) levels.

How to prepare

Avoid excessive leverage (margin).
Keep a cash reserve.
Ensure position sizes aren't so large that a 10-20% correction would force you to sell.

2. Sector Rotation
Different industries can be affected differently depending on expected government policies.
Examples:

Energy stocks may react to environmental or drilling policies.
Defense stocks may react to military spending expectations.
Healthcare stocks may react to healthcare reform proposals.
Banks may react to regulatory discussions.

How to prepare

Avoid concentrating too heavily in one politically sensitive sector.
Diversify across industries.

3. Temporary Market Pullbacks
Investors sometimes reduce risk before major events.
Typical behavior:

Institutions hedge portfolios.
Some investors raise cash.
Trading volumes may increase.

How to prepare

Have a shopping list of quality investments you'd like to own.
Keep some liquidity available to buy during market weakness instead of panicking.

4. Increased Correlation Across Assets
During uncertainty, different stocks often move together.
What this means:

Even good companies may fall along with the broader market.

How to prepare

Focus on long-term fundamentals.
Don't assume a price decline means the business has deteriorated.

5. Currency and Interest Rate Volatility
If investors expect major fiscal or trade policy changes:

Bond yields may move sharply.
Currency markets can become volatile.
International investments may be affected.

How to prepare

Consider whether you're overexposed to one currency.
Maintain some fixed-income exposure if it aligns with your objectives.

A Simple Defensive Portfolio Approach
Many investors enter uncertain periods with something like:

60-70% diversified equities
20-30% bonds or fixed income
5-10% cash

The exact allocation depends on age, goals, and risk tolerance, but the principle is:
✅ Stay invested
✅ Stay diversified
✅ Hold some cash for opportunities
✅ Avoid emotional decisions

The Biggest Portfolio Killer During Elections
It's often not the election.
It's:

Selling after a decline.
Waiting for "certainty."
Missing the recovery.

Markets frequently begin recovering before the news becomes clear. By the time uncertainty disappears, much of the rebound may already have occurred.
A good mindset is: prepare for volatility, not for a specific outcome. Trying to predict who wins is speculation; building a portfolio that can survive either outcome is investing.

07/12/2023

🛑🛑 vital information for any business owner, I urge you to read it, if not you can directly ask us with a phone call.

Which legal structure should I choose for my business?

That answer really depends on the individual circumstances of your business, such as your potential revenues, how many partners you have, and your overall goals as a business owner.

These are the 3 most common business structures in Canada:

Sole-proprietorship – This is the most common, with the majority of Canadian businesses operating this way. The owner is liable for all financial obligations of the business including taxes.

Partnership – This entity involves two or more people, with each owner (partner) generally being liable for the financial obligations of the business including taxes.

Corporation – A legal entity that remains separate from those who founded it, can allow for business profits to initially be subject to lower rates of tax, and generally shields the owners from personal liability.

To understand which one of these structures makes sense for you, there are three key factors to consider:

Legal liability — To what extent does the owner(s) need to be insulated from legal liability?

Tax implications — What are the opportunities to defer or minimize taxes?

Administrative costs — How much will ongoing record-keeping and paperwork cost the company?

Any more questions? Give us a call.

06/30/2023

💡What happens if I pass away and don’t have a will?

If you don’t have a will when you pass away, you are considered to have died “intestate”, and your assets will end up being distributed according to the “intestacy” rules of your province, which may or may not be consistent with your wishes.

What should I include in my list of personal records?

To assist your loved ones in the event you pass away, you should include these items in your list of personal records:

People to contact (e.g. next of kin, executor, employer, lawyer, etc.)
Estate documents (e.g. financial decisions, funeral arrangements, will, organ donation, etc.)
Your personal details (e.g. personal data, digital assets like online accounts, citizenship papers, marriage/divorce certificates, club/association memberships, military service, etc.)
Financial commitments (e.g. rent/mortgage payments, outstanding loans and lines of credit, credit cards, etc.)
Insurance (e.g. life, disability, critical illness, hospital, etc.)
Investments (e.g. mutual funds, annuities, GICs, etc.)
Residence and real estate (e.g. where they are located, who owns the title, etc.)
For example, in some provinces a common-law partner will inherit in the same manner as a married spouse, while in other provinces they will receive nothing upon an intestacy.

If you need any help navigating through this we are here to help. Leave us a message or give us a call

06/27/2023

Good tax management can lessen an estate’s tax liabilities, as well as ensure you keep more of your investment growth.

Strategies to minimize tax

Hold investments in registered accounts, such as TFSAs, RRSPs and RESPs
Income splitting can reduce taxes by moving income to a lower-earning spouse
Maximize permissible tax deductions and tax credits
Use the Home Buyers’ Plan to make a down payment on a new home
Charitable giving can help reduce your tax liabilities

Are there any simple ways to reduce my taxes?

You can reduce your tax bill considerably by taking advantage of all the tax deductions and tax credits that you’re entitled to.

Adresse

3100 Boulevard Le Carrefour Suite 400
Laval, QC
H7T2K7

Téléphone

+15144512853

Site Web

https://www.nhwealth.ca/, https://www.instagram.com/nhwealthm/

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