Good Day! With post-secondary planning on the horizon, I wanted to share a clear overview of how withdrawals from a Registered Education Savings Plan (RESP) work when your child starts school. There are two main “buckets” of money in a RESP: Educational Assistance Payments (EAPs) – This is the government grant money and investment growth inside the RESP. When withdrawn, it is taxable in the student’s hands (often at a low tax rate because students typically have modest income

A Cup of Coffee Artemis II crew to set record for farthest distance from Earth travelled by humans; will exceed 252,000 miles from the planet as the spacecraft hooks around the far side of the moon today The Commodity Futures Trading Commission is seeking federal court orders against Arizona, Connecticut, and Illinois that would prevent those states from enforcing their gambling statutes against prediction market platforms. Amazon is in talks to acquire a SpaceX competi

As we close the first quarter of 2026, the global picture remains mixed. Economic growth has continued, inflation has generally moderated, and markets are still being shaped by geopolitical and energy-related risks. For families, investors, and business owners, this is a useful moment to step back and focus on what matters most. The global economy remained resilient, but growth stayed modest Major global institutions continue to project positive growth for 2026, though at a m

Good news! If you're expecting a tax refund, you can start daydreaming about what to do with it: a new electric bike, a Caribbean yoga retreat, or a home makeover... there’s no shortage of ideas. However, this can also be a good opportunity to start adopting sound financial habits and better manage your money. Let’s get you started. You'll see that I'm not short of ideas either! 1. Pay off your debts Are your credit cards maxed out? Then consider paying off your balanc

Good Morning and Happy Monday! This past weekend, I took in a little office time, time with friends and family and started a new series, Rogue Heroes, and I tell you what an interesting show! I wasn't outside as much as I should have been, given the warmer temperatures and sunshine, but such is life. Black Friday deals are already starting, so if you have your Christmas list in hand, you can save some serious money in the coming weeks. And now your morning Java... A Cu

When asked which habits truly changed their lives, their answers weren’t about “hustling harder” or chasing the next big thing. Instead, it was the simple, steady routines that made the biggest difference. Here are the nine habits that kept coming up, again and again: 1. Start the day with clarity, not chaos Almost everyone had some kind of morning routine—meditation, journaling, or just enjoying a quiet coffee. It’s not about productivity, but about starting the day with

Good Morning and Happy Monday! What a blur of a weekend with meetings, soccer, hockey, work, and a SK Roughrider win! I am grateful that I have the opportunity to experience so many great things with so many people. Oh, and 44 Days until Christmas, and I can't wait! But enough about that, let's get to your morning Java... A Cup of Coffee Grounded by politics. Flight cancellations quadrupled Friday morning after the FAA began reducing capacity at 40 airports as a result

Good Morning and Happy Monday! I hope you had a great weekend and are ready for the last week of October, that's right, we have just over two months to end off 2025. This past weekend, I enjoyed both attending and being part of the host Club for Kinsmen's Fall Leadership Conference. It's an event that brings Kinsmen from across the province together and strikes a great balance between seriousness, fun, and fellowship. But enough about that, let's get to your Java... A

Good Morning and Happy Monday! I hope you had a great weekend and are looking forward to the week. This past weekend was all work and little play for me, however, I was able to fit in time with family and friends and finally watch Karate Kid Legends which has been on my list for a while. But enought about that here is your morning Java... A Cup of Coffee CRA says bare trusts won’t have to file for 2025 unless legislation is ‘enacted well in advance’ of tax-filing deadli

Is Your Insurance Still the Perfect Fit? Let’s Double-Check Together! Life never stands still, and neither should your insurance...