Client Login 416-875-7385
The better planning group logo
  • 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
  • Client Login
  • 416-875-7385
Book an appointment

Legal Disclaimer

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.

Business owners — how you pay yourself matters.  Business owners — how you pay yourself matters. 

Salary or dividends isn’t just a tax decision… it can impact your cash flow, retirement planning, and how much money stays in your pocket.

The right strategy depends on your goals, your business, and the timing.

Most owners focus on making more money… but fewer focus on keeping more of what they make.

 Are you paying yourself through salary, dividends, or a mix of both?

#BusinessOwner #EntrepreneurTips #SalaryVsDividends #TaxStrategy #PayYourself
Your credit score does more than help you get appr Your credit score does more than help you get approved… it can determine how much you pay.

Many people focus only on qualifying for a mortgage, but your credit score can impact the interest rate you receive and that can mean thousands of dollars difference over the life of a loan.

Building strong credit isn’t just about borrowing money.
It’s about putting yourself in a stronger financial position and keeping more money in your pocket.

Small improvements today can create bigger savings tomorrow.

Your credit score is a financial tool make sure it’s working for you.

#FinancialPlanning #CreditScore #MoneyTips #MortgageTips #PersonalFinance BetterPlanning
Your mortgage renewal isn't just about finding a l Your mortgage renewal isn't just about finding a lower rate.

55% of Canadians worry they'll make the wrong decision when it's time to renew. And 48% say they need guidance to get it right.

Here's the truth: a renewal impacts more than your monthly payment. It can quietly affect your cash flow, your debt, your investments, and your retirement plan.

A bank gives you a rate.

A financial plan tells you if that rate is actually right for you.

If your mortgage is renewing in the next 12–24 months, the earlier we look at it together, the more options you'll have.

Send us a message to start the conversation.

#MortgageRenewal #FinancialPlanning #CanadianFinance #HomeOwnership #wealthmanagement
Retired from full court, undefeated at the games t Retired from full court, undefeated at the games that count 🎮🏀

#financesimplified 
@betterplanninggroup
56% of workers say they're not on track for retire 56% of workers say they're not on track for retirement.

So here's the test:

Age 30 → 1x income
Age 40 → 3x income
Age 50 → 6x income
Age 60 → 8x income
Age 67 → 10x income

If you're behind, you're not alone.

The goal isn't perfection. It's direction.

Is your money working as hard as you did to earn it?

#RetirementPlanning #Investing #FinancialPlanning #PersonalFinance
June 9th is Tax Freedom Day in Canada 🇨🇦 According June 9th is Tax Freedom Day in Canada 🇨🇦 According to the Fraser Institute the average Canadian family just paid over $68,000 in taxes, that is 159 days before keeping a single dollar. Most Canadians are missing major tax planning opportunities. Link pinned in comments to find your exact date. Send me the word TAX to find out where your opportunities are. 
.
.
.
.
.
.
.

#TaxFreedomDay #CanadianTax #TaxPlanning #CFP #PersonalFinance taxtok foryou  
Four people. Same $10,000 a year. Same 15 years. S Four people. Same $10,000 a year. Same 15 years. Same 8% rate of return. Same 43.41% tax rate. The only difference is how each one structured their investment.

Solomon contributes annually to his RRSP. Caleb to a non-registered account. Ariana to his TFSA. Savannah uses an investment loan strategy. All four are disciplined. All four are consistent. All four are doing something right.

So which one generates the most after-tax income after 15 years?

The answer might surprise you but more importantly, the answer is different for everyone. Watch to the end to see all four results and understand why there is no single right strategy. Only the right strategy for your situation.

Not financial advice. Results are based on an 8% annual rate of return and a 43.41% marginal tax rate over 15 years. Individual results will vary based on income, tax situation, investment performance, and personal financial goals. Speak with a qualified financial advisor before making any investment decisions.

 #FinancialPlanning #WealthBuilding #TFSAvsRRSP #InvestmentStrategy #CanadianFinance  
Your corporation may be sitting on tax-free money Your corporation may be sitting on tax-free money you've never touched.

It's called the Capital Dividend Account and most incorporated professionals go their entire career without ever knowing it exists.

Not because it doesn't apply to them.

But because nobody told them.

If you own a corporation and nobody has reviewed your CDA, there may be tax-free money trapped inside your company right now.

That's exactly where we start.

 Link in bio to book a call.

*
*
*
*
*
*
 #IncorporatedProfessionals #CapitalDividendAccount #CanadianFinance #TaxStrategy #FinancialPlanning 

This content is for informational purposes only and does not constitute financial, tax, or legal advice. Please consult a qualified financial advisor before making any financial decisions.
Don't Worry, Be Happy, turns out Bobby McFerrin ha Don't Worry, Be Happy, turns out Bobby McFerrin had the best investing advice all along. 

The market will scare you. It will drop. It will make you want to sell everything and hide under your bed.

But the investors who held? They're the ones smiling now.

Time in the market always beats timing the market. Always.

Stop worrying. Start holding. Bobby told you so. 🎵

#StockMarketBlues #InvestSmart #LongTermInvesting #DontWorryBeHappy #BobbyKnewBest  
Everyone has a financial plan. The question is… w Everyone has a financial plan.

The question is… was it built intentionally?

Most people have:
• a mortgage
• some investments
• maybe insurance

But that doesn’t automatically create clarity.

A real financial plan should answer your 3 Burning Questions™:

✦ Will I actually have enough?
✦ Am I making the right financial decisions today?
✦ What happens if life changes unexpectedly?

Because products alone don’t answer those questions.

A personalized financial plan does.

Either by design — or by default.
.
.
.
.
.
.

#FinancialPlanning #PersonalFinance #WealthBuilding #CanadianFinance #MoneyMindset
Most businesses don’t fail because of bad ideas. T Most businesses don’t fail because of bad ideas.
They fail because they don’t survive long enough for it to work.

The real game is endurance not intensity.

If you’re in the slow phase right now, stay in it.
.
.
.
.
.
.
.
.
#EntrepreneurMindset #BusinessGrowth #SmallBusiness #ConsistencyWins #LongGame
Most people think tax savings happen at tax time. Most people think tax savings happen at tax time.

But the real difference is made long before you file.

Tax filing is about reporting what happened.
Tax planning is about shaping what happens next.

And that shift can mean keeping more of what you earn.

Small decisions made early often create the biggest results later.
.
.
.
.
.

#TaxPlanning
#PersonalFinance
#FinancialLiteracy
#MoneyMindset
#CanadianFinance
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.

.
.
.
.
 
.
.
#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.
,
.
.
.
.
.
.
.

#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. 
.
.
.
.
.
.

#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 🤷🏽‍♂️
.
.
.
.
.
.
.
.
.
.
.
#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
Follow on Instagram

® The Better Planning Group Inc.