OAS Payments Increased—Could Your Retirement Withdrawals Trigger a Clawback?
OAS payments increased for October–December 2026. Review your RRIF withdrawals, investment income and planned capital gains to understand how 2026 income could affect recovery tax and future OAS payments.
Canadians Sold a Record $31 Billion of U.S. Stocks—Should You Rebalance Too?
Canadian investors sold a record $31 billion of U.S. shares in July 2026. Before following the headline, review whether your allocation, concentration, currency exposure, taxes, liquidity and retirement-income needs support rebalancing.
Banks Face New Crypto Rules—Does That Make Crypto Safer for Your Portfolio?
Banks face new crypto rules in Canada—but that does not automatically make crypto safer or suitable for an individual investor’s portfolio. New federal prudential requirements govern how banks measure, capitalize and manage their own crypto-asset exposures. They do not approve a particular token, protect its market value or replace personal investment due diligence. The useful […]
Canadian Household Debt Reached $3.28 Trillion: Is Your Debt Still Manageable?
Canadian household debt reached approximately $3.28 trillion in the second quarter of 2026—but the total alone does not tell us whether an individual household’s debt is manageable. The more useful questions concern interest costs, monthly cash flow, mortgage-renewal risk, emergency savings and whether debt could delay other financial goals. Statistics Canada reported some encouraging improvements: […]
Canadian Household Wealth Hit $19.1 Trillion—But Has Your Retirement Plan Actually Improved?
Canadian household wealth reached $19.1 trillion in the second quarter of 2026—but a larger national balance sheet does not automatically mean that every Canadian’s retirement plan has improved. Much of the increase came from higher financial-market values, which can change much faster than retirement expenses or income needs. Statistics Canada reported that household net worth […]
Changing Jobs? Your 7-Step Financial Benefits Checklist
Canadian Group Benefits Paid $53.3 Billion: Is Your Plan Delivering Value?
Group benefits Canada spending reached $53.3 billion in supplementary health benefits in 2024, according to the Canadian Life and Health Insurance Association. That national figure demonstrates how important workplace health plans have become—but it also raises a practical employer question: Is your plan delivering enough employee value for what your company is paying? $53.3BSupplementary health […]
Private Credit in Your Portfolio: What Canadian Investors Should Ask
Private credit Canada exposure has grown significantly, bringing new income and diversification opportunities—but also less-visible questions about liquidity, leverage, concentration and valuation. Before investing in a private-credit fund, mortgage strategy or alternative-income portfolio, Canadian investors should ask one central question: How much private credit, real-estate lending and illiquid debt does the portfolio hold, and how […]
Canada’s Inflation Is 3%—But Is Your Personal Inflation Rate Higher?
Canada inflation reached 3.0% in July 2026—but that national figure may not reflect the price increases experienced by your household. Gasoline and transportation costs increased sharply, while Ontario’s annual inflation rate remained lower at 2.0%. The difference highlights an important planning principle: your personal inflation rate depends on where your money actually goes. 3.0%Canada headline […]
Pay Down Debt, Save, or Invest: What Should Come First?
Practical Financial Planning Pay Down Debt, Build an Emergency Fund, or Invest: What Should Come First? When one dollar could be used in three different ways, deciding where it should go can feel more complicated than earning it. The best answer is rarely “all debt,” “all savings,” or “all investing.” It usually begins with choosing […]