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Fitzallen Sutton is a representative of Designed Securities Ltd., and is also licensed for the sale of insurance and mortgage products. Fitzallen Sutton is registered through separate organizations for each purpose and as such, you may be dealing with more than one entity depending on the services and products discussed. The name of the entity being represented should correspond to the business being conducted. The insurance services offered by Fitzallen Sutton and The Better Planning Group Inc. of Designed Securities Ltd. are separate legal entities. Designed Securities Ltd. is regulated by the Canadian Investment Regulatory Organization (Canadian Investment Regulatory Organization (ciro.ca) and is a Member of the Canadian Investor Protection Fund (www.cipf.ca). Investment products are provided by Designed Securities Ltd. and include, but are not limited to, mutual funds, stocks, and bonds. Fitzallen Sutton is registered to provide advice and solutions to clients residing in the province of Ontario. Any advice which may be given in respect of non-securities services is given by Fitzallen Sutton solely and no such advice is given in their capacity as a registrant of Designed Securities Ltd. Canadian Investor Protection Fund (CIPF) coverage is available to CIRO Dealer Members and does not offer protection, within limits, on non-securities products not held by a Member. Non-securities related business includes, without limitation, fee-based financial planning services; estate and tax planning; tax return preparation services; advising in or selling any type of insurance product; any type of mortgage service. Accordingly, Designed Securities Ltd. is not providing and does not supervise any of the above noted activities and you should not rely on Designed Securities Ltd. for any review of any non-securities services provided by Fitzallen Sutton and insurance services. No information on this website shall be deemed as investment advice or a recommendation. The information provided may be gathered from sources believed to be accurate. This website is for informational and reference purposes only and is not intended to provide specific personalized advice including, without limitation, investment, financial, legal, accounting or tax advice. Please consult the appropriate professional depending on your particular circumstances. This website does not constitute an offer or solicitation in any jurisdiction in which such offer or solicitation is not authorized or to any person to whom it is unlawful to make such offer or solicitation. The opinions expressed are those of the author and do not necessarily reflect those of Designed Securities Ltd. The information contained on this website is subject to change without notice. Information has been gathered from sources believed to be reliable. Content is accurate as of the date of publication, and subject to change without notice. By accessing links to external websites, you will be leaving this website, and insurance services and The Better Planning Group Inc. of Designed Securities Ltd. are not responsible for the information contained on these external websites. Content may not be reproduced or distributed without the consent of Fitzallen Sutton.

The Better Planning Group | Book an Appointment Today

55 York Street, Suite 1201 Toronto, Ontario, M5J 1R7

Primary: 416-875-7385

Email: hello@betterplanningtoday.com

Legal Disclaimer

  • About
    • Company
    • Our Team
  • Who We Serve
    • Professionals and Families
    • Business Owners
    • Physicians and Dentists
  • Our Services
    • Insurance Planning
    • Investment Planning
    • Retirement Planning
    • Tax Planning
    • Estate Planning
    • Group Benefits
    • Incorporated Business
  • Education Centre
  • FAQ
  • Contact Us

betterplanninggroup

Finance Simplified | @fsutton35, CFP®
Helping families & businesses keep more of what they earn through tax-efficient financial planning.

Most people think it won’t happen to them until it Most people think it won’t happen to them until it does.

We plan for vacations, investments, and retirement
but rarely for the moment everything stops.

That’s The Super Syndrome. Thinking you’re the exception.

The truth is you can’t control what happens
only what happens next.

If it’s been a while since you’ve reviewed what you have…
it might be time.

#FinancialPlanning #InsuranceMatters #WealthBuilding #ProtectYourIncome #MoneyMindset
Another year of growth and clarity. Progress is r Another year of growth and clarity.

Progress is rarely visible while it’s happening, but it is always being built.

Every setback, every challenge, every quiet win has shaped my discipline and direction.

Growth is found in who you become along the way, not just the moments you can point to.

Not finished. Just getting started.
Business Owners: Are You Paying Yourself the Smart Business Owners: Are You Paying Yourself the Smart Way?

Salary or dividends… it could save or cost you thousands every year. Most entrepreneurs don’t realize how much money they leave on the table.

 Watch till the end to learn the tax hack most owners aren’t aware of… if the timing’s right.

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#BusinessOwner
#EntrepreneurTips

#SalaryVsDividends
#TaxStrategy
#PayYourself
After graduating from Ottawa University, I couldn’ After graduating from Ottawa University, I couldn’t land a marketing job.

At the time, I didn’t really know what the next step was but I knew I wanted to stay connected to what I loved. Being a former university basketball player and seeing the rise of gaming, I decided to try combining both.

That led to two charity initiatives:

All-Star Charity Shootout a basketball event I built over six installments, bringing together some of Canada’s top players across multiple cities while raising over $74,000 for organizations like the Canadian Cancer Society, Heart & Stroke, Kids Help Phone, and Make-A-Wish.

University Gaming Charity Events  campus tournaments where I got to learn, experiment, and work with sponsors like Microsoft Canada.

Looking back, I didn’t have it all figured out. I was just trying things, learning as I went, and hoping it would lead somewhere.

Those experiences eventually led me to a marketing management role at one of the largest financial companies, and later shaped the path to where I am today with The Better Planning Group Inc.

Sometimes, you just have to bet on yourself.
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#BetOnYourself #CharityEvents #Throwback #CareerJourney #Entrepreneurship
Most people think their mortgage is the biggest ex Most people think their mortgage is the biggest expense leaving their household.

It’s not. It’s taxes and they show up everywhere: payroll deductions, sales tax, property tax, fuel… and more.

This tax season, don’t just focus on filing. Focus on planning. Your money deserves it. 
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#TaxPlanning #FinancialAwareness #MoneyMatters #FinancialTips #CanadianFinance TaxSeason
Millions bet. Returns don’t lie Since 2005, bett Millions bet. Returns don’t lie 

Since 2005, betting on top teams? Tiny returns.
Investing in the S&P 500? About 150%.

When in doubt → UNC
When it matters → the market

PS: Not AI....I actually played university back in the day 🤷🏽‍♂️
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#MarchMadness
#Basketball
#Investing
#FinanceTips
#SP500
MoneyMatters
FinancialPlanning
Most people think tax season is April. But April Most people think tax season is April.

But April is just when taxes are filed.

The real strategy happens all year round.

Tax Paying Season ≠ Tax Planning Season.

#TaxPlanning #PersonalFinance #MoneySmart #FinancialStrategy
You’re not broke. You’re just playing a game you w You’re not broke.
You’re just playing a game you were never taught the rules to.

Tax on earning.
Tax on spending.
Tax on investing.
Tax at the end.

Financial literacy isn’t optional anymore.
It’s survival.

#FinancialEducation #TaxPlanning #WealthBuilding #BetterPlanning
Same house. Different price. Your credit score de Same house.
Different price.

Your credit score decides which one you pay.
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#CreditScore #MortgageTips #HomeBuying #PersonalFinance  #financialliteracy
"$0 commission" doesn’t mean no cost. Hidden fees, "$0 commission" doesn’t mean no cost. Hidden fees, taxes, retirement and estate planning gaps can quietly reduce your returns. Know what you actually keep. 

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#InvestingAwareness #FinancialPlanning #SmartInvesting  #financialeducation #moneymatters
Incorporation can unlock tax flexibility and prote Incorporation can unlock tax flexibility and protection, but only when it fits your situation.

There’s no one-size-fits-all answer.
Only clarity, strategy, and intentional decisions.

#FinanceSimplified 
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#BusinessFinance #SmallBusinessCanada #EntrepreneurCanada #TaxPlanning SelfEmployed
Most people don’t feel financially secure, and it’ Most people don’t feel financially secure, and it’s not about income.
It’s about clarity, control, and having a plan that actually works in real life.

If you want clarity instead of noise, connect with @betterplanninggroup and explore your options.
We help turn complex money decisions into simple, confident ones.

#FinanceSimplified 

#FinancialSecurity #MoneyClarity #BetterPlanning #WealthEducation PersonalFinance SmartMoney FinancialConfidence
It’s RRSP season Everyone loves that refund. But It’s RRSP season Everyone loves that refund.

But without planning, that refund today could cost you tomorrow.
Connect @betterplanninggroup 

#RRSP #FinancialPlanning #TaxPlanning #FinanceSimplified #moneytips
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Disclaimer:
The information provided is for general educational purposes only and is not intended as tax, legal, or financial advice.
Examples used are for illustration purposes only.
No one should act on this information without first consulting with qualified tax, legal, and financial professionals to assess their individual situation.
Bought a home recently? Most people miss this step Bought a home recently? Most people miss this step when reviewing their mortgage.
Your mortgage is one of your biggest financial commitments, but a simple review could save you thousands and make sure your plan fits your 2026 goals.

Watch the full video to see how a smarter mortgage strategy can protect your home and your finances.  

@betterplanninggroup
#FinanceSimplified

 #MortgagePlanning #FinancialPlanningCanada #HomeOwners PersonalFinance MortgageTips WealthPlanning
Most people rush to pay off their mortgage, but th Most people rush to pay off their mortgage, but that’s not always the smartest move.

Extra payments don’t increase your home’s value, lower your payment, or keep your money accessible.

The real question is: what’s the opportunity cost?

The goal isn’t to have a mortgage forever, it’s to make every dollar work smarter.

Connect with @betterplanninggroup
#financesimplified

#MortgageStrategy #SmartMoney #FinancialPlanning #BetterPlanning
Seeing only returns is seeing half the picture. Th Seeing only returns is seeing half the picture.
The whole picture is what keeps you invested when it matters most.

Learn how to see the full picture with a plan that works for you.  Connect with us @betterplanninggroup
#FinanceSimplified

#FinancialPlanning #InvestingWisely #MoneyMatters #LongTermThinking #WealthManagement #FinancialWellness #SmartInvesting #InvestorMindset #MoneyStrategy #FinancialLiteracy #PlanningForTheFuture #ThinkLongTerm #WealthBuilding #FinanceTips #BetterPlanning
Most Canadians think they have a plan… but they do Most Canadians think they have a plan… but they don’t.
They have financial products.

Products are tools 
But tools without a plan create confusion, not clarity.

Random products = random outcomes.
A real plan brings clarity, control, and results.

If you’re ready to stop guessing and start moving with intention,

Connect @betterplanninggroup
#financesimplified FinanceSimplified

#ProductVsPlan #FinanceSimplified #FinancialClarity #WealthStrategy #MoneyMindset #FinancialPlanning
A $100 bill stays $100. But with cards, small fees A $100 bill stays $100. But with cards, small fees add up fast.

Here’s why cash still matters

Want to understand your money better? Connect with @betterplanninggroup.
#financesimplified

#CashVsCard
#FinancialLiteracy
#MoneyMatters
#SmartMoneyMoves
Most Canadians don’t realize this: Your Spousal R Most Canadians don’t realize this:

Your Spousal RRSP contribution date can change when your money becomes attribution-free.

If you contribute before December 31, the 3-year clock starts now.
If you wait until January or February… you lose a full year.

A tiny timing decision today can give you more flexibility in the future.

If you want to get this right, reach out.

Follow @betterplanninggroup  for more year-end tax tips and RRSP strategies 

#financesimplified 

#SpousalRRSP #RRSP #TaxPlanning #FinancialPlanning #CanadaFinance #BetterPlanningGroup #InvestingTips
Canada’s tax system is progressive and once you st Canada’s tax system is progressive and once you start earning above $50,000, your tax rate increases and you start to lose valuable government benefits (like GST/HST credits, Trillium, CWB).

That’s why a person making $42,000 can sometimes take home the same net income as someone making $65,000!

 Want to optimize your income, reduce taxes, and increase cash flow?
Connect @betterplanninggroup
#FinanceSimplified
 

#TaxPlanning #OntarioTaxes #CanadianMoney #BetterPlanning #FinancialCoach #WealthTips
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® The Better Planning Group Inc.