What years of working with clients — including some very long retirements — have shown to be true PRINCIPLE 1 The Discipline of Saving Is the Magic The most important part of saving for the future is the act of saving itself. Rate of return matters, but it is largely outside anyone's control — markets do what they do. How much and how consistently a person saves is 100% within their control, and it turns out to be the dominant factor in long-term outcomes for most people. Con

Retirement planning in Kitchener is rarely just about replacing a paycheque. For most families, it is a three-part challenge: creating reliable income, reducing unnecessary tax, and making sure wealth passes to the right people in the right way. That matters because even core government benefits need careful coordination. The average CPP retirement pension for new beneficiaries starting at age 65 is $877.01 a month, and those payments are taxable, which is a useful reminder t

For many business owners, succession planning feels like a retirement project. In practice, it is a business continuity plan, a family protection plan, and a tax plan all at once. That matters now, not later. The federal government says more than 17% of Canadian SME owners planned to exit within the next five years, which means a meaningful share of privately held businesses are already in a transition window. In a region built on owner-led companies, delaying the conversatio

You need income. It's the engine that drives everything else.

Manulife One is a flexible all-in-one mortgage and line of credit where you can access your home equity as needed.

Anyone else noticing the surge of estate planning discussions lately? It's increasingly crucial as we witness a significant transfer of we

A lot of people think that their relationship with money is hard wired and can't be changed.