Our insights centre gives you access to our latest company news, industry reports and blogs covering a range of topics related to the financial services industry. If there is a specific issue you would like more information on or if you have a further enquiry, please feel free to contact us.

Advice and Tips

Old Age Security Deferral: Opting Out Retroactively

As of July 1, 2013, where receipt of OAS is delayed, the monthly pension is increased by a factor of 0.6% for each month deferred, to a maximum of 36% (60 months, commencing receipt at age 70). This option may be especially desirable for those whose OAS would be entirely clawed back due to high income.

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Advice and Tips

Canada Revenue Agency – PHSP Stance

Canada Revenue Agency – PHSP Stance: Recently, CRA has come out and explained their stance on PHSP’s a bit more than what is currently published on their website. Do you fall victim to their new take?

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Advice and Tips

First-Time Home Buyer Incentive: New Possibilities

Budget 2019 proposed the new Canada Mortgage and Housing Corporation (CMHC) first-time home buyer incentive, which is a shared equity mortgage that would give eligible first-time home buyers the ability to lower their borrowing costs by sharing the cost of buying a home with CMHC.

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Advice and Tips

Private Health Services Plans: What are they?

If you are new to a Private Health Services Plan, then we have all the information you will need to discover how you can claim your personal medical expenses as a business expense and receive a tax free reimbursement. If you currently have one, then we encourage you to take a look at ours to save even more money!

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Advice and Tips

PHSP vs Traditional Insurance

Traditional health insurance comes with a gamut of fees, limits, and frustrations; all imposed by the insurance company itself. That’s where a PHSP can come in. A PHSP/HSA saves you money. Learn how.

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Advice and Tips

Why a TFSA May Be Better for your Dollar

Investing your hard-earned dollar can be a hard decision to make. There are so many different ways to earn more with less; some that are even tax-free and some that aren’t. So which way will you go – registered savings plan or unregistered? Here are 5 reasons why a TFSA would be a good option for something registered.

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Advice and Tips

Flipping Out – House Flipping and It’s Implications

Recent changes to mortgage rules have caused the housing market to cool slightly. What was once a highly lucrative industry, has turned into a mess for some but this isn’t to say that it can’t still be profitable for those who play their cards right. Are you protected?

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