financial facilitation

People with disabilities often live on a tight budget.  For those that do, here are some points to help manage your financial health and long-term savings: Apply for the Disability Tax Credit. If you qualify, it can reduce the amount of income tax for you or somebody...

The Registered Disability Savings Plan is incredibly generous.  It is also incredibly complex.   Many people will collect $90,000 in government grants and bonds, but the plan’s complexity makes many others hesitate.  People tend to avoid purchasing products they don’t...

“Sometimes the best path to success is reducing the risk of failure.”  – anonymous. If you are not sure if insurance – life, disability and critical illness insurance in particular – is of any value to you, this article might help you.  This is...

The primary purpose of life insurance is to take care of financial responsibilities in the event of premature death. There is a theory of decreasing responsibility that applies to most of us.  New parents with young children, a significant mortgage, some consumer debt...

If you live in Ontario and your child has a developmental disability and is under the age of 18, you, as a parent, can open an RDSP account for your child, become the “holder” of the plan and remain the holder after your child has become an adult.  Attempting to open...