R&D Insurance and Financial Services Ltd.

12/11/2025

After yesterday's last Bank of Canada meeting of 2025 the final decision was to leave the overnight rate unchanged. The BOC believes the current rate is "at about the right level" based on many economic indicators. We will see what 2026 bring!

12/02/2025

12/02/2025

Stress - Student Debt. Great Article on this subject

10/29/2025

The Bank of Canada cut its overnight rate to 2.25%, reducing the prime rate to 4.45%, in a move to support economic growth.

Rate changes like this can impact refinancing decisions, variable-rate mortgages, and borrowing strategies.

The Bank will provide its next update on Wednesday, December 10th, 2025.

10/29/2025

Q4 is the perfect time to review your business expenses and make sure you’re taking advantage of all eligible deductions.

From marketing campaigns to professional development and year-end bonuses, these often-overlooked areas can save your business money.

Let’s make your financial strategy work smarter before the year closes—call (519) 438-4813 or email [email protected] to get started!

10/23/2025

Insurance needs evolve over time—what worked five years ago might not protect you today.

We help Canadians review their policies to ensure coverage matches current risks, lifestyle changes, and financial goals. Don’t let outdated insurance leave you exposed—let’s make sure you’re fully protected this season!

10/20/2025

Retirement planning for small business owners takes careful strategy—but it doesn’t have to be complicated!

From separating personal and business finances to maximizing retirement accounts and planning for succession, a clear approach ensures your future is secure. With thoughtful guidance, you can build a retirement plan that works for both you and your business.

Let’s create a strategy that sets you up for success—call (519) 438-4813 or email [email protected] to get started!

10/15/2025

Fall is the perfect season to start house-hunting with a clear plan in place!

From inspecting heating systems to checking insulation and drainage, staying organized helps you make confident buying decisions. We’re here to guide you through each step so your home search is smooth and stress-free.

Let’s make your dream home a reality this fall—call (519) 438-4813 or email [email protected] to get started!

10/08/2025

World Financial Planning Day is the perfect reminder to pause and take stock of your financial journey!

Whether you’re focused on paying down debt, growing your investments, or planning for retirement, having a clear strategy makes all the difference. Financial confidence comes from setting goals, reviewing regularly, and making smart adjustments along the way.

Because your future deserves a plan, not just hope!

10/07/2025

Keep Your Books Clean, Stress-Free—Your finances shouldn’t hold you back.

Staying organized year-round makes tax time and business decisions easier. From tracking transactions to reviewing expenses, we provide guidance to keep your books accurate and stress-free.

Let’s simplify your bookkeeping and set you up for confidence and clarity this year!

10/02/2025

Thinking about buying a property but worried your income won’t stretch far enough? Rental income could help you qualify for the mortgage you need.

By applying a portion of your rental earnings, lenders may boost your borrowing power and improve your affordability. With the right documentation and strategy, that extra income can open the door to more opportunities.

Let’s explore how rental income can work for you and get you closer to your property goals!