ZTFF Management Corp - Registered Retirement Consultant

12/24/2021

Wishing you and your family a Merry Christmas and a Happy New Year.

12/22/2021

It isn’t usual to discuss how healthy personal finances impact your business. The dilemma of how much financing your business needs may overshadow the management of your personal finances.

If you’re a small business owner, you’ve likely been challenged in ways like never before due to the global pandemic. These unpredictable times highlight the importance of having a reliable personal financial plan in place. That is easier said than done, though, as there are some challenges you ...

12/07/2021

Family planning also means financial planning. Mutual support and quality time are costly. Now is the time to think about how to ensure healthy living for your children.

You have many memories-in-the-making to look forward to—first birthdays, ballet recitals, family vacations, soccer goals and graduations from kindergarten to college. It’s expensive to raise and educate children, but as parents, we want what’s best for them. Add up everything from daycare and ...

06/18/2021

Are you in the retirement risk zone? I welcome the opportunity to work with you during this vital time.

A financial plan can help you adjust to retirement You’ve worked hard to save for retirement – prioritizing your goals along the way. We know how exciting retirement can be after years of hard work. So have you considered how you’re going to spend your “me time”? How long you’ll live is ...

06/02/2021

Is it time to declutter your finances? I can help!!

Set yourself and your family up for financial health Many households in Canada today have a little secret that can wreak havoc with their financial lives—financial clutter. It's not the kind you find in closets, under beds or at the office. And we're not talking just about misplaced banking, tax, ...

04/27/2021

Are you spending more time in the garden with the current COVID restrictions?

Not only is growing your own fruit, vegetables, flowers and herbs a source of pride, it also provides yummy results. The key is strategically choosing where to start your garden, properly preparing the soil and carefully transplanting the seedlings. Planning 1. What type of soil is in your yard? Dif...

01/22/2021

Compound Interest is your best friend

It seems like an obvious idea: By starting to save in your 20s rather than your 40s, you’ll have more money by the time you retire. But research shows that only about 3 in every 5 Canadians – and just half of 25-to-34-year-olds – are actively saving for retirement. On top of that, many Canadia...

01/22/2021

Give me a call to help get your personal financial plan started

For many Canadians, spring goes hand-in-hand with tax refunds. In 2019, the federal government refunded, on average, $1,072 to tax payers (based on data from the Canada Revenue Agency[CRA]). Here are the deductions and credits you can claim to optimize your tax situation. Deductions Tax deductions a...

12/10/2020

Managing your finance during a crisis is far more than just a challenge, especially during the Covid-19 pandemic. This article will give you some practical advices to manage the situation.

Managing your personal finances during a crisis can be challenging. Even if self-isolation allows you to limit your daily expenses, you still have fixed expenses to pay off. For the unlucky ones, the situation brought about by COVID-19 can lead to temporary unemployment and a loss of income. Take a....

11/10/2020

With only these 6 steps, you are able to create an effective budget for your own!

Whether you’re a family, a couple or a student, making a budget allows you to better understand your spending habits and to adjust if necessary. Beyond structuring your finances, a good budget will help you be financially prepared for the unexpected, all while helping you save for goals that are i...

11/10/2020

You might not know this, but your children can also contribute to your finance. Click on the article to find out how!

Having no kids can save you some money, but so can having them. Having children is a big financial commitment, that much is true. From childcare to extra-curriculars and education, the costs can add up. In fact, the average cost to raise a child from birth to aged 18 now costs $253,000, according to...

10/05/2020

So, you still have no life insurance and critical illness insurance? Here is why you should get them now!

Why life insurance and critical illness insurance are part of smart financial planning You’re working hard to save for your future. You may have long-term goals, like saving for your first home or retirement. Maybe you’re saving for your next vacation or for something special you’ve always wan...