Enhanced Wealth Management

10/10/2026

10 Financial Moves Canadians Should Review Before December 31!

1. FHSA contributions – Eligible first-time homebuyers can contribute up to $8,000 annually, subject to available room. Unlike RRSPs, FHSA contributions must be made by December 31 to count toward this tax year.

2. Tax-loss selling – Have investments sitting at a loss in a non-registered account? Consider selling to offset realized capital gains. Watch the superficial loss rule, and remember trades must settle before year-end.

3. RRSP withdrawals & retirement income planning – Planning an RRSP withdrawal or other retirement income changes? Review your income before December 31 to see whether it makes sense to act this year or next.

4. Charitable donations – Planning to give back? Make your donations by December 31 to qualify for a charitable donation tax credit for this year. Donating stocks that have accumulated capital gains in a non-registered account in-kind may offer additional tax advantages!

5. RESP contributions – Contribute toward your child's RESP before year-end to maximize available government grants. The basic Canada Education Savings Grant provides 20% on eligible contributions, up to $500 annually, with catch-up opportunities.

6. TFSA withdrawals – Planning to withdraw from your TFSA? Consider doing so before December 31. The amount withdrawn gets added back to your contribution room on January 1 of the following year, rather than waiting another full year.

7. Capital gains & income planning – Expect a higher or lower income next year? Review whether realizing gains, making deductible expenses, or deferring certain income makes sense before December 31. Timing can make a meaningful difference to your overall tax bill.

8. Employer benefits – Have unused dental, vision, massage, or other health benefits? Check when your coverage resets and book eligible appointments before year-end.

9. Credit card rewards & annual perks – Travel credits, companion vouchers, hotel certificates, and other annual benefits may reset or expire. Check what you have available before you lose it.

10. Review your payroll tax deductions – Had a change in income, received a bonus, or worked multiple jobs this year? Review your paycheques to make sure enough tax is being withheld. You may be able to adjust deductions before year-end to avoid an unexpected tax bill in April.

You still have a few months to work on these - but start now, because let's be honest, nobody will be cramming these in between Christmas and New Years!

10/09/2026

This weekend, embrace the crisp autumn air and enjoy time with your loved ones. Wishing everyone a safe and joyful Thanksgiving!

10/06/2026

Owning assets on both sides of the border can add another layer of complexity to your estate plan.

From Wills and Powers of Attorney to beneficiary designations and tax considerations, it’s important to make sure the different pieces of your plan work together... in both countries.

This article highlights a few key documents Canadians with U.S. ties should have on their radar.

Your will is only one piece of the puzzle when you have U.S. assets. Here are the documents and decisions worth reviewing.

10/02/2026

Financial literacy is about more than understanding investments... it’s about having the knowledge and confidence to make informed decisions with your money.

With literacy and numeracy skills declining across Canada, financial education is more important than ever. As advisors, we believe part of our role is making financial concepts easier to understand and helping build stronger financial habits for the next generation.

Mélanie Valcin explains the risks that poor literacy rates introduce for families, communities, and Canada and how advisors can help address it

09/22/2026

Starting an RESP early can maximize government grants and investment growth, but even a late start has benefits. Here's how to make the most of an RESP.

Starting an RESP early can maximize government grants and investment growth, but even a late start has benefits. Here’s how to make the most of an RESP.

08/25/2026

Tax rules are always changing, and understanding those changes can create opportunities to keep more of your money working for you.

With new tax rates, credits and planning opportunities for 2026, staying on top of the rules matters. This article breaks down some of the key changes Canadians should know.

Another reason why tax planning should be an ongoing part of your overall wealth strategy. 👇

From lower federal tax rates to new tax credits and homebuyer incentives, here are the key 2026 tax changes Canadians should know.

08/17/2026

Market uncertainty is nothing new, but that doesn’t make it any easier to ignore the headlines.

When markets feel unpredictable, it can be tempting to make changes based on fear or uncertainty. Often, the better approach is to step back and focus on the long-term plan.

This is also a great reminder of the value of working with a financial advisor. Having someone in your corner to provide perspective, keep you focused on your goals, and take some of the emotion out of investment decisions can make a big difference... especially during periods of market volatility.

Successful investing isn’t about reacting to every market move. It’s about having a strategy you can stick with through them.

An interesting read below:

A new CIBC poll finds most Canadians feel anxious about investing, and nearly half of younger investors trade on gut instinct alone — here's what that costs, and how to invest with a clearer head

08/07/2026

Canadians are confident they can spot scams, but should they be? Nearly one in four Canadians say they or a family member fell victim to a scam in the past year. Here's why fraud is getting harder to detect.

Nearly one in four Canadians say they or a family member fell victim to a scam in the past year. Here's why fraud is getting harder to detect.

07/31/2026

Whether you're exploring the great outdoors or enjoying quality time at home, we wish everyone an long weekend!

07/24/2026

Writing a will is easier and more affordable than many people think. Experts outline why a will is important, and how Canadians can start one to protect their assets, family, and final wishes.

Writing a will is easier and more affordable than many people think. Here's how Canadians can protect their assets, family, and final wishes.