Amanda Cardenas, Financial Advisor with Sterling Mutuals Inc.

10/14/2025

Public Wi-Fi is convenient and can help you save on your mobile data usage.

But connecting to an unsecured network, like at a hotel or coffee shop, can bring increased risks – especially if you aren't using a VPN!

by learning more: https://www.getcybersafe.gc.ca/en/secure-your-connections/public-wi-fi

08/28/2025

ADC Wealth Strategies website is now live!:

To start our wealth construction process, we first implement the 4 focal points to design a client’s accumulation phase of wealth construction and their deaccumulation phase, where wealth is preserved. We help individuals identify and navigate all the important factors in wealth creation and how i...

03/13/2025

I wanted to take a moment to address the impact that the ongoing tariff wars are having on your investments as Canadian investors.
As you may be aware, trade tensions and tariffs between countries—particularly the U.S. vs. the world —have led to significant market volatility. These disruptions can create both challenges and opportunities for global markets, and ultimately, your portfolio.
Tariffs can lead to increased costs for companies that rely on international trade, which may affect their profitability and, in turn, impact the performance of your investments. Additionally, sectors such as manufacturing, agriculture, and technology have been particularly vulnerable to these trade tensions. While some Canadian industries may be more insulated, others may face pressure as global supply chains adjust.

However, it’s important to note that market fluctuations in the short term don’t always predict long-term trends. With strategic positioning and thoughtful diversification, we aim to minimize risks and capitalize on potential opportunities in these uncertain times.
Please rest assured that we continue to monitor the situation closely and are committed to adjusting your investment strategy to safeguard your financial goals.

If you have any concerns or would like to discuss this in more detail, feel free to reach out. I’m here to help. Sometimes one phone call goes a long way.

Warm regards,
Amanda Cardenas

10/23/2024

Great day of learning, insights and comedy (with the "3 amigos") at Fidelity Vision 2024 Toronto

10/09/2024

There are instances where cancer survivors can obtain life insurance

Despite fears to the contrary, cancer survivors can qualify for a standard rating on life policies

02/01/2024

Its RRSP time, lets discuss which plan is best suited for you, RRSP or TFSA or both?

When it comes to saving for the future, what’s better - a TFSA or an RRSP? Spoiler alert! They’re both good, but for different reasons.

01/09/2024

📣 RSP Season has officially begun! Don’t forget about your TFSAs & FHSAs:

RRSPs
FEBRUARY 29TH is the RRSP deadline ⏰
to top-up your RRSP or Spousal RRSPs for 2023 taxation year.
Maximum for 2023 taxation year is 18% of previous year earned income or $30,780
Maximum amount you can deduct for each tax year is shown on your latest, “Notice of Assessment” or “T1028” form

TFSAs
The TFSA limit for 2024 is $7,000

FHSAs
The FHSA limit for 2024 is $8,000

Did you know:
It is best practice for optimum tax efficiency to contribute into your TFSA or FHSA at the beginning of the year.

Please do not wait until February 29th (if possible) to make a RRSP contribution as this can potentially cause delays.

Give me a call today - 519-673-0920, extension 110

09/21/2023

School is in Session!

Students could consider contributing into a FHSA for future tax planning

Go to the head of the class with these tax tips

09/14/2023

Have you ever considered Critical Illness? Some do not see value in Life Insurance, but it is difficult to ignore the role Critical Illness Insurance can play in the lives of Canadians…

Did you know :

🩺44% of Canadians (20+) live with a chronic disease 1
🚑95% of Canadians who make it to the hospital after a heart attack will survive 2
💊43% of Canadians will be diagnosed with cancer in their lifetime, and cancer remains the leading cause of death 3

….If we looked at the percentages above in terms of “probability of precipitation (POP)” – would you bring an umbrella if you were going to leave the house? ☔️

Let Critical Insurance be your umbrella!

1 Government of Canada, “Prevalence of Chronic Diseases Among Canadian Adults” 2019
2 The Heart and Stroke Foundation of Canada, 2015 Report on the Health of Canadians
3 Statistics Canada, “Cancer incidence and mortality trends, 1984 to 2020” 2022

09/07/2023

Avoid the last minute scramble in January & February!

Here is a helpful income tax calculator if you need assistance in sorting out how much you should be putting away in your RRSP.

Remember, I can set up auto-payments to go directly into your RRSP/TFSA/FHSA

Estimate your tax savings when you vary your RRSP contribution amount with our Canada Tax Calculator.

09/01/2023

Are you looking at purchasing a home in the near future? 🏡

✔️ Pro Tip, before purchase:
Purchase your own life insurance (or Critical Illness) to cover the mortgage, independent of your mortgage lender.
I am happy to walk you through the process to find the most cost effective & suitable option!

For coverage and cost, clients can probably do better

09/01/2023

Are you looking at purchasing a home in the near future?

Pro Tip, before purchase:
Purchase your own life insurance (or Critical Illness) to cover the mortgage, independent of your mortgage lender.
I am happy to walk you through the process to find the most cost effective & suitable option!

For coverage and cost, clients can probably do better