financial services

Simply because parents earn a reasonable income, own a home and have savings does not mean their adult child can’t seek financial assistance from the government if they have a disability. Too many people are under the impression that benefits such as the Ontario...

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...

Many parents open up a Registered Education Savings Plan (RESP) soon after their child is born even though post-secondary education is years away.  People initiate the savings process early on because the expense is so significant.  As parents of a child with a...

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...