EDUCATION CENTRE

Introduction Most people think tax season happens in April. But by the time April arrives, most of your tax decisions are already made. That’s where many individuals lose opportunities to reduce taxes and improve their financial outcomes. There are actually two tax seasons. Understanding the difference can change how much of your income you keep. […]

Make Sure Your Money Is Invested Simply contributing to your RRSP is not enough. You need to invest the money properly. First, review your risk tolerance. Then confirm your time horizon. Finally, make sure your investments support your long-term goals. If cash sits inside your RRSP, it does not grow effectively. As a result, you […]

View this post on Instagram A post shared by The Better Planning Group (@betterplanninggroup) Timing matters when it comes to Spousal RRSPs. Contributing before December 31 starts the three-year attribution-free period sooner, giving you more flexibility with withdrawals and helping you get more from your financial plan. A small timing choice today can make a […]

The Next Rate Announcement The Bank of Canada will announce its next interest rate decision on Wednesday, October 29, 2025. Right now, the key rate is 2.50%, and many economists expect another 0.25% cut to 2.25% the second one this year. Why? Because Canada’s economy has slowed, inflation is steady around 2.4%, and unemployment has […]

Introduction: Why Tariffs Matter in 2025 In 2025, tariffs are once again in the spotlight. The U.S. has implemented new trade duties affecting over 60 countries. These actions ripple through global markets, raising costs and shaking investor confidence. Let’s break down what tariffs are, how they impact the economy, and what investors can do to […]