Investments
Asset location, withdrawal sequencing, ETFs vs mutual funds, fee structures, and how to actually run a portfolio inside a planning framework.
26 articles in this topic.
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How to Build Net Worth in Ontario: A Financial Planner's Guide
A financial planner's guide to building net worth in Ontario — the mechanics of wealth accumulation, what actually moves the needle, and common traps to avoid.
Asset Allocation in Ontario: How to Build a Balanced Portfolio
Learn how asset allocation works, why it matters more than individual investment picks, and how Ontario residents can think about building a balanced portfolio aligned with their goals and risk tolerance.
The First Home Savings Account (FHSA) in Ontario: A Complete Guide
Everything Ontario residents need to know about the First Home Savings Account (FHSA) — eligibility, contribution limits, tax benefits, and how it compares to the RRSP Home Buyers' Plan.
GICs in Ontario: How They Work in a Financial Plan
GICs are a straightforward savings tool — but how they fit into a financial plan depends on your tax situation, account type, and timeline. Here's what Ontario investors should know.
Individual Pension Plans (IPP) in Ontario: What Business Owners Should Know
An Individual Pension Plan (IPP) can allow incorporated business owners in Ontario to shelter significantly more for retirement than an RRSP. Here's how it works and who it's right for.
How Investment Fees Affect Your Retirement in Ontario
Investment fees may seem small, but over decades they can erode hundreds of thousands of dollars from your retirement savings. Here's what Ontario investors need to understand about MERs, fund costs, and fee transparency.
Investment Planning in Ontario: A Comprehensive Guide
Learn what investment planning involves, common mistakes Ontario investors make, and how a financial planner approaches building a sustainable investment strategy.
Market Volatility and Financial Planning: How to Stay the Course in Ontario
Learn how a financial planner helps clients navigate market volatility, why having a plan matters most during downturns, and how to maintain discipline through market cycles.
Non-Registered Investment Accounts in Ontario: Tax Strategy for Serious Savers
Learn how non-registered accounts work, how investments are taxed, and how asset location strategy can minimize your tax burden.
What to Expect From a Portfolio Review With a Financial Planner in Ontario
Understand what a comprehensive portfolio review includes, how often you should review your investments, and what triggers an immediate review.
Real Estate Investment and Financial Planning in Ontario
Rental and investment properties can play a role in an Ontario financial plan — but they come with tax, cash flow, and concentration risks worth understanding before you buy.
How and When to Rebalance Your Investment Portfolio in Ontario
Portfolio rebalancing is a discipline that keeps your investments aligned with your risk tolerance and goals. Learn how Ontario investors can rebalance effectively — and what the tax implications are.
Registered vs. Non-Registered Accounts in Ontario: When to Use Which
Understanding the difference between registered and non-registered investment accounts in Ontario is foundational to smart financial planning. Here's how to think about each.
RESP in Ontario: How to Save for Your Child's Education
A practical guide to the Registered Education Savings Plan (RESP) for Ontario families — contribution rules, government grants, investment options, and what happens when your child goes to school.
Retirement Planning for Business Owners in Ontario: No Pension, No Problem
Business owners in Ontario don't have workplace pensions — but they have tools that are arguably more powerful. Here's how to build a retirement plan when you're incorporated.
RRSP Contribution Room in Ontario: How It Works
A clear explanation of how RRSP contribution room is calculated, accumulated, and used — including carry-forward rules, pension adjustments, and strategies for Ontario residents.
Should I Max My TFSA or RRSP First in Ontario?
TFSA vs RRSP: which should you prioritize in Ontario? This guide breaks down when to max your TFSA first, when RRSP wins, and how to think about the decision based on your income and retirement goals.
TFSA Contribution Room in Ontario: What You Need to Know
A complete guide to understanding TFSA contribution room in Ontario — how it accumulates, carry-forward rules, over-contribution penalties, and how to use your TFSA strategically.
TFSA vs. RRSP in Ontario: Which Is Right for You?
TFSA or RRSP — which should you prioritize in Ontario? The answer depends on your income, retirement timeline, and withdrawal strategy. Here's how to think through the decision.
GICs vs. Investing: Where Should Your Money Go in 2026?
GIC rates look appealing, but are they the right choice? Compare GICs vs. diversified investing for Ontario savers — including tax implications, inflation risk, and long-term returns.
The Complete RESP Guide for Ontario Parents (2026)
Everything Ontario parents need to know about RESPs — from CESG grants and contribution limits to investment options and withdrawal strategies for your child's education.
What to Do with an Inheritance in Ontario: A Step-by-Step Guide
Received an inheritance? Learn the smart steps to take — from tax implications to investing, paying off debt, and building a long-term plan for your windfall in Ontario.
Are Your Investment Fees Costing You $300,000 in Retirement? What Ontario Investors Should Know
Canadian mutual fund fees average 2.2% per year. On a $500,000 portfolio over 25 years, that could cost you over $300,000. Here is what London, Ontario investors can do about it.
Mortgage Payoff vs. Investing: What Makes Sense in Ontario Right Now?
Should you pay off your mortgage faster or invest the difference? We break down the Ontario math including RRSP tax refunds, mortgage rates, and opportunity costs.
Why Your Bank Financial Advisor Might Be Costing You Thousands
Your bank financial advisor may be costing you thousands in hidden fees. Learn about MERs, limited product shelves, and what independent advice looks like.