Personal Finances

Throughout the year, we issue newsletters that highlight various issues which are important to our clients.

Saving for Higher Education: The Power of RESPs in an Economic Recession

Now may be the perfect time for parents to consider how a Registered Education Savings Plan (RESP) can help their children and themselves.

Download Saving for Higher Education.


This annual newsletter provides answers to questions such as: How much can I contribute to my RRSP? When do I need to collapse my RRSP?

Download RRSP Tips (PDF 158.9 KB)


Registered Retirement Savings Plans (RRSPs) are an important financial and tax-planning vehicle to encourage retirement savings. They provide a tax shelter for those taxpayers earning employment, business and rental income. The contributions to RRSPs are tax deductible and allow for tax-deferred investing until the funds are ultimately required or withdrawn, i.e., in retirement or possibly in low-income years.

This newsletter discusses RRSPs to aid individuals in their quest to save for their retirement.

Download Registered Retirement Savings Plan (PDF 417 KB)

Tax Free Savings Account (TFSA)

This is a great savings vehicle. Find out more about the TFSA.

Download Tax Free Savings Account newsletter (PDF 256.3 KB)

Estate Planning & Income Splitting

Thought-provoking questions regarding your estate plan with some strategies to consider. Leave a legacy, not a tax bill.

Download Estate Planning & Income Splitting (PDF 187.8 KB)

Income Tax Issues for Divorced Spouses

Prudent planning can ease the financial burden of a divorce. Personal Income Tax Issues for Divorced Spouses summarizes the tax rules and policies surrounding a separation.

Download Income Tax Issues for Divorced Spouses (PDF 138.3 KB)

Your Personal Financial Calendar

Get organized with this list of items you should consider for each month of the year.

Download Your Personal Financial Calendar (PDF 153.5 KB)

Financial Planning Tips

A list of useful tips to consider in preparing or reviewing your personal financial plan.

Download Financial Planning Tips (PDF 148.8 KB)

What’s taxable under the HST and what’s not?

Examples of common products and services and how they will be affected by the HST.

Download What’s taxable under the HST and what’s not? (PDF 950.98 KB)