Arca Financial Group

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Arca Financial Group

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12/02/2025

𝗧𝗮𝘅 𝘀𝗲𝗮𝘀𝗼𝗻 𝗱𝗼𝗲𝘀𝗻’𝘁 𝘀𝘁𝗮𝗿𝘁 𝗶𝗻 𝗔𝗽𝗿𝗶𝗹, 𝗶𝘁 𝘀𝘁𝗮𝗿𝘁𝘀 𝗻𝗼𝘄.

By the time you’re filing, most of the best planning opportunities are already gone.

Thomas Lunz, shares five proactive year-end strategies for high-net-worth families:
✅ Review your income mix (salary vs. dividends).
✅ Harvest tax losses strategically.
✅ Maximize registered plans (RRSP, TFSA, RESP, FHSA).
✅ Consider charitable giving with embedded gains.
✅ Review family income structures for compliance and efficiency.

Thomas helps families tie together personal, corporate, and estate planning well before year-end, because smart tax planning isn’t about scrambling in April, it’s about being intentional now.

If you would like to explore strategies tailored to your family, 𝗯𝗼𝗼𝗸 𝗮 𝗰𝗼𝗻𝘃𝗲𝗿𝘀𝗮𝘁𝗶𝗼𝗻 𝗵𝗲𝗿𝗲: https://bit.ly/48t9EU9

11/17/2025

One of the most common questions I get from business owners:
𝗦𝗵𝗼𝘂𝗹𝗱 𝗜 𝗽𝗮𝘆 𝗺𝘆𝘀𝗲𝗹𝗳 𝗮 𝘀𝗮𝗹𝗮𝗿𝘆 𝗼𝗿 𝘁𝗮𝗸𝗲 𝗱𝗶𝘃𝗶𝗱𝗲𝗻𝗱𝘀?

The truth is, there is no one-size-fits-all answer, but there are key differences every incorporated owner should know.

💼 Salary gives you structure.
💰 Dividends give you flexibility.

Most owners use a mix of both. Salary for stability and dividends for efficiency.

Thomas Lunz, at Arca Financial Group, helps families balance personal income, tax efficiency, and long-term planning before the year wraps up.

Want a quick year-end checkup to make sure you’re on the right track? Book a conversation with Thomas here: https://bit.ly/4nU6NsV

11/11/2025

Today, we pause to remember the courage, sacrifice, and selflessness of those who served and continue to serve. Their legacy reminds us that true strength lies in service and community.

Lest we forget.

11/06/2025

Spooky season was in full swing at the office last week! 👻

From creative costumes to too many treats, our team definitely got into the Halloween spirit. At the heart of it all was what makes our team special, the family values that bring us together, in and out of costume.

10/31/2025

The only thing scarier than ghosts this Halloween?👻 Not having a plan for your family’s financial future.

Let’s make sure your legacy doesn’t disappear into the night.

10/13/2025

Family has always been at the heart of what we do.

We are thankful for the families we have had the privilege to walk alongside through milestones, transitions, and new beginnings.

From our family to yours, Happy Thanksgiving 🧡

10/02/2025

𝗜𝘁’𝘀 𝗻𝗼𝘁 𝗮𝗯𝗼𝘂𝘁 𝘄𝗵𝗮𝘁 𝘆𝗼𝘂 𝗺𝗮𝗸𝗲, 𝗶𝘁’𝘀 𝗮𝗯𝗼𝘂𝘁 𝘄𝗵𝗮𝘁 𝘆𝗼𝘂 𝗸𝗲𝗲𝗽.

Too often, investors focus only on returns and ask questions like:

“Did I beat the market?”
“Can I squeeze out another percent?”

But if taxes and fees are eating away at those gains, you’re just running on a treadmill.

Thomas Lunz, CIM, Wealth Advisor at Arca Financial Group, helps clients think beyond just returns, because true wealth isn’t about chasing the market, it’s about being intentional, integrated, and tax-smart.

If you’re ready to align your wealth with what truly matters, book a conversation with Thomas here: https://bit.ly/4pP4F7Y

09/30/2025

Last week, Arca team members joined fellow Partners Wiegers Financial & Benefits, Walker Family Financial, MNK Financial from Quintessence Wealth at the Barrington Wealth Partners Inc. NextGen Conference, hosted by BMO Insurance in Montreal.

With so many next-generation partners in the Q Wealth family, the event was a strong reminder of the staying power of our network and the importance of preparing for succession in family businesses. The younger wealth advisors within Q Wealth is reshaping perceptions, showing that trusted wealth advice isn’t just for later in life, and that the next generation of advisors is already bringing fresh perspective, innovation, and long-term commitment to clients.

A special thank you to BMO Insurance for their hospitality and to Barrington Wealth Partners for providing a platform to share ideas and elevate the future of our industry.

09/22/2025

A financial plan isn’t about the money, it’s about what the money makes possible.

Thomas Lunz believes true planning doesn’t start with numbers, it starts with life. What keeps you up at night? What legacy do you want to leave? What matters most?

If you’re looking for more than just a numbers guy, book a conversation with Thomas: https://bit.ly/42FZQnu

09/12/2025

John and Thomas had a fantastic time at Future Proof this past week! The Canadian "Great White North" Lounge was the perfect place to reconnect with fellow Partners from Q Wealth and share fresh perspectives.

We came back with valuable insights on industry trends and strategies that will help us deliver even more meaningful outcomes for our clients, and we’re already looking forward to continuing those conversations next year!

08/26/2025

Family is at the heart of everything we do, because Arca Financial Group was founded as a family firm. Thomas Lunz, CIM understands that your business isn’t just numbers on a page, it’s your legacy, your values, and your future.

That’s why we build real relationships with the families we serve, offering guidance from a place of shared experience.

If you want a partner who truly gets the unique journey of a family business, let’s start the conversation: https://bit.ly/4fUVBtT

02/19/2024

Home is where the heart is. 🏠 And our hearts are full of love for family today and every day. Happy Family Day!

Address

237 Labrador Drive
Waterloo, ON
N2K4M8

Telephone

+18777458500

Website

https://arcafinancial.com/

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