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TAX TIPS AND FAMILY BENEFIT PROGRAMS

Feb 16, 2022

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Tax Planning vs Tax Paying Season: What You Need to Know
RRSP Season: It’s Bigger Than a Refund
Spousal RRSP: Timing Matters
Hidden Dangers of the Bank Rate Cut
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betterplanninggroup

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

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.
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#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.
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#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.
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#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.

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#BusinessOwner
#EntrepreneurTips

#SalaryVsDividends
#TaxStrategy
#PayYourself

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Primary: 416-875-7385

Email: hello@betterplanningtoday.com

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Our Services

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Group Benefits
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Education Centre

betterplanninggroup

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

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.
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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

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® The Better Planning Group Inc.